The GTA V cheat is very safe. The only thing they can currently ban you for is the money hack.
This is not due to the feature itself but the fact that large transactions are monitored by Rockstar.
Keep it in your pocket as spending money. Do not deposit it into your bank all at once.
If you wish to take advantage of this feature, make scattered deposits of random amounts between gameplay.
To afford fancy purchases you must at least appear to be saving up. Increase your bank balance gradually.
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