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825
[–] 2 pts
  1. Buy something with fintech financing
  2. Don't pay for it
  3. ???
  4. Profit
[–] 1 pt

That "???" step is the all-important one. (((They))) seldom let it out of the bag.

[–] 1 pt

That's because it's nothing more than "Lie, cheat, and steal."

(((They))) know you know they're doing it, but they're not going to actually say that.