unless settings.payouts.allowed?(user.login, amount, limits) || vip?
    consumed = settings.payouts.consumed(user.login)
    settings.telepost.spam(
      "⚠️ The user #{title_md} from #{anon_ip} with #{amount} payment to PayPal just attempted to go",
      "over their account limits: \"#{consumed}\", while allowed thresholds are \"#{limits}\";",