When taking penalty tiles would you still get to perform the action?
For example, if you place a worker on a 10 cost/3 VP farm and you don't have the money, you would take -3VP. But do you also get to take the farm?
Another example, if you want to hire a foreign worker but don't have the money, or don't want to spend the money on that, do you take the worker and the penalty tile? Or just the penalty tile?
I suspect the answer is you get no benefit from the action since that is one way from bypassing taking a loan action. On the other hand, getting -3VPs for a farm rather than gaining 1VP is a significant difference.
I do not have the rules at hand but I think I remember that you do not get the farm, worker or any other effect of the action space in that case.