If you were $10 away from living on the streets, would you pocket money from your kid’s birthday card? If you could only afford to pay one bill, would it be gas or electricity? With its new game, “Spent,” for Urban Ministries of Durham, ad agency McKinney makes you experience the hard choices that often lead to homelessness. The goal of the game is to find a job and then keep some of your money in the bank for a month. Along the way, you’ll have to decide how to stay afloat through illness, car trouble and school costs. It’s a jarring experience, and several of the choices will stick with you long after you’ve played.