However, I still believe that you can use the HV20 for personal serious projects without budget and as a videographer if you know how to use it.
As long as you advertise and sell your finished movies instead of being payed during the making of them, I think you can get far with the HV20.
I have yet to be proven wrong because I don't know of anyone who tried this yet, but I will try. Who knows, I might come back here and say it's impossible after I tried myself but that only means I didn't try hard enough or that I simply don't have the skills. There is so much more to movie making and videography than the camera.