Generally speaking, just as a guideline: if you think the American Banking System is stoooopid and you go to exploit it… it isn’t going to end up well for you.
let's see who is gonna get screwed, the banking system giving out credit cards to people they can't be sure are going to pay back or a chinese student in a country with no extradition to the us... If only y'all learned anything from 2008 ROFL. Keep giving out loans to anyone, your public debt speaks by itself