I read this story on a whim and I will admit that I was surprised at the quality of the writing considering the score given it. While the plot is simplistic, it is also fun and it follows a theme that most readers can appreciate. After all, who wouldn't like to borrow a little 'wealth' with no strings attached.
Textually the author writes well and the plot is well thought out and it flows very well. I enjoyed it as it allowed me to suspend my belief for a moment or two and slip into the world that the author had created with his tale and wish for a moment that it was real.
Overall I recommend this as a quick read. I have no idea why the score is so low because I thought it was great. Give it a chance and make your own decision.