Slanty

cursor = db.execute('SELECT * FROM table_name WHERE (id IS ? AND name IS ?)', (id, name))
row = cursor.fetchone()
if row is None:
    cursor = db.execute('INSERT INTO table_name (id, name) VALUES (?,?)', (id, name))
    db.commit()

cur.execute('SELECT money FROM tablename WHERE id = "%s"' % сюда айди пользователя)
amount = cur.fetchone()
for amount in amount:
if amount < чем ставка:
действия()