The "Checkbook modeler" is the guy who consistentlly buys more than he can fly. His equipment normally exceeds his capability enough to make most look for cover when he launches.

The guy who buys or pays others to build for him just happens to have a different bank account, values, and standards than I do. He cannot be a checkbook modeler unless he always buys stuff that is well beyond his ability. The scale guys are in a different class.