Choice and consequence. Why not join them? See what happens throughout the rest of the game. At least try it for one playthrough, though I wouldn't recommend it for the first.
I dunno, I think the early infusion of cash makes the start a little easier for the first time player... But it really does come back to bite you on the backside making the midgame harder... If you're just trying to get used to the game mechanics before settling on the playthrough character, its not a bad choice.