No. It’s more as if you had to pay for the pony to get it, and then:

If you want to ride the pony, that’s $2. The saddle has a coin slot to pay. It also has spikes poking both you and the pony if you don’t pay. Any time you get off, the spikes relock, requiring another payment to unlock.

This is the exact same situation minus the animal cruelty part and with money being swapped with time.