they specifically called out property destruction as being against the rules

Not in this meme, which is what I'm referring to.

And overpaying as well

So that rules out spending them in the US and several other countries..

In under-regulated capitalism, prices aren't set at what's fair, they're at the maximum that they can get away with without losing too many sales/clients.

That's by definition overpaying from the perspective of the buyer/client.

Plus, if we're being pedantic

We are indeed. Carry on, good sir/madam/cuttlefish

burning the money isn't spending it, which is what he is supposed to do.

Damn, you got me there. Good point 😁

The movie

Again, I was referring to the meme only, not the movie that inspired the premise

also has the advantage of having a contract that presumably covers any other loopholes the audience thinks of

That's a mountain sized presumption..

Once you take it out of a movie and start treating it like a challenge to be solved, you can no longer hide behind some unseen fine print.

Good. Genies have had it too good for too long 😛