I already have the time and money to pretty much do whatever I want. So basically my life is the scenario in question. I couldn't work anyway unless it was under special circumstances because free time is a psychological need for me.
Banned for being a banana.
(Mismagius can learn Mystical Fire according to Bulbapedia, and Dazzling Gleam doesn't fit in the character limit so I had to shorten it)
I fully evolved my starter for Keta, and didn't lower it back down.
I'd personally rather deal with occasional disobedience than 1 EXP, but I'm probably the only person who makes it a point to be ~10 levels over where I'm supposed to be.