Nah, they just don't want you to drive their car. Chance of a money shift is extremely low, and it doesn't usually happen while learning. Money shifts really happen when you are trying to drive too fast, and you downshift more than 2 gears quickly. Most learners have trouble keeping the RPMs up high enough to money shift. I was perpetually shifting at 1.3k when learning and you can pretty much go from 6 to 2 without money shifting at those low revs.