This is battle were first thing someone has to got is patience. It is super easy to give up and just pay. In theory everybody can get to the bank and create yourself money from nothing. But that is not theory if you know what to do after creation of loan. If they give you loan in cash, can you apply similar strategy like they just put figures on your account?
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yes, it doesn't make any difference which form the allleged transfer takes since the points relate to the contractual agreement and the origin of what was allegedly transferred - which will be the same in most cases.
I remember when I was trying to explain this to someone who had to return money to bank for credit. Said to me by reflex action 'That will never worh! If that work everybody will do it!' Most of people don't want to 'fight' them because in their mind they are big and we are small. Until that don't change no real change can happen. In this case and everyting else.
I probably would have said the same thing if I didn't fully understand the underlying mechanics that the banks base their activities on and I only understood that after watching some of the well known documentaries about the subject over 5 times! The scam is so big that our 'scam detector' in our brains aren't callibrated to be able to take it all in!
Scam detector not callibrated enough...well said LOL
You inspirated me to make article with that title. Thanks! :)