Amonia
PIP does not take into account, when making a Decision, how the claimant might use the money, so you cannot be refused PIP because you would potentially use the monies in an unwise manner.
If this is a problem that you have then you might want to see whether anybody could act as an Appointee for you, that way they can ensure that your bills are paid and you have money for food. I will stress that doing this would be a significant step for you so you might want to discuss it with those who support you to see whether it is a good idea or not.
Gordon
Nothing on this board constitutes legal advice - always consult a professional about specific problems