Since i always try to pay my debts during a game (if you help me i help you), i get accused of PGA quite often (even with people i've never met). It's understandable, but not true. I never PGA. EVER.
Nevertheless, you get to know some players. If they're thankful/vindictive (like me) you might want to avoid fucking with them, unless you can kill them. The first option looks like PGA too. =/