"It is your money and your decision but they may not like being involved in this game."

With my brokerage and I'm sure others, the original setup documentation clearly stipulated that the client is solely responsible for all activities concerning this account. In other words they have removed any liability on their part. You are responsible for knowing the guidelines and limitations of this account.

Though the over contribution to this tfsa may work out well for those who go there, I also look at the potential for having your file red flagged. Probably not an issue for most but the less attention the better.