A very general way to know if you can do it or not is to understand whether the action is client or server-sided. For example, pirating games can be done because the game is installed cilent-side. Microtransactions, however, are server-sided, and as such can't be downloaded or hacked.Like, to be able to get pokemon bank without the $5 fee or anything like that? Just asking
TBH, It's more of I don't want to pay for transporterIf you don't want to pay for Bank, you can always use PKSM.