. Imagine Jim owes you $10, and you owe Bob $10. Well, that's easy. Tell Caffeinator "reassign $10 from Jim to Bob" and suddenly Jim owed Bob $10, and you were out of the picture.
Yeah, except Jim isn't good for the debt, so you were never going to collect unless you tracked him down and beat him severely... no, not even then, because Jim hasn't got any money! You not only just stiffed Bob for the $10, you also just gave him the added burden of skinned knuckles and having to listen to Jim's annoying whining about his inability to pay as Bob larrups the stuffings out of him in frustration.
Congratulations, you have re-invented bankstering - trading bad debt for good. Profit!!