Not sure what your problem is. Personal use might include commuting to work, clothes for work, landlord referencing fees, overdraft fees, perhaps some basic food.
How the hell is money spent on contracting a house to live in (contracting a person to reference you specifically) different to contracting a person to build a house to live in?
How the hell is money spent on contracting a house to live in (contracting a person to reference you specifically) different to contracting a person to build a house to live in?