Unfortunately, as much as we might try to hold on and bet just a little, not everyone is able to hold on and so companies, websites, apps, take advantage, trying to spread the idea of ease that is really just a trick to screw desperate people. It's complicated, but unless the government bans everything, I think it's difficult for these houses to be closed down.
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Greed... that will always be a point for companies to exploit. As long as humans always want more, they'll always be susceptible to getting exploited by companies like this.