I think you're anything but thick, to think up that potential way of getting a graphics card is actually quite smart. But your theoretical question has made a few people here question your morals, because it's asked for a reason. It's all well and good saying that any ad here would be taken down, but don't expect after asking that question that people won't suspect you're still going to do that elsewhere. There's plenty of scope there to do it.
And those people might be wrong in thinking that, but you've planted the idea in peoples' heads that you're wanting to be a bit sneaky, maybe unintended but just admit you probably dropped a bollock asking it here. Because it is a bit sneaky.
Post #1 was where it started going wrong for you on this thread, but everyone makes mistakes and it ain't for anyone here to judge you, only you know you.
FWIW I'm just like you, I didn't get in any queue and wasn't prepared to pay 650 quid at launch, foolishly thinking I'd get one when they dropped under 600 quid. Now I'm thinking my limit might be 800 quid, but I'm also thinking 800 quid is a lot to pay for the kinda improvement I'll get over the 2080. I could buy a 3090, but that would be even worse in terms of what I get over the 2080 for what the outlay is.
But I'm lucky to have what is still a fairly decent card and could easily wait another 6 months or a year. I don't know what your current situation is in that regard, but I'd say if you have anything less than a 2060 or 5700XT, I guess I could understand the desperation to upgrade and thinking up ways to do it. Anything higher than that, I'd probably put your time and money elsewhere.