That doesn't make much sense. You would still be on the hook for the eventual bill. This sounds like a showerthought hashtag lifehack.
At their revenue, don't care about 5K charge, they can send to collections / sell to 3rd party collections agencies.
They do care about keeping you happy as a customer since your employers will be swayed by their employees.
So the former is much more likely to succeed, the latter will just make you look like a scammer.
At larger sums - they will do much more rigorous checks to avoid issues.