Exposed! This is more ruthless than pyramid schemes, and it's targeting young people.

July 30, 2025, 8:22 a.m. Essays

Caught off guard!

Suddenly, a piercing alarm sounded!

The People's Daily exposed a data:Nearly six in ten 90 (Generation Z) have substantial debt, and nearly three in ten 90 need installment or overdue payments.

The People's Daily calls for: Every 90, learn to manage your finances, achieve no 'moonlight' by 2020!

Some may say: Just one data can explain nothing, too little attention.

Okay, let's take a closer look at the following data!

Yes, only 1339 yuan! That means most young people can't save money at all

So, what do 90 use credit for consumption?

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Two main categories: one is mortgage repayment, the other is excessive consumption, and the latter far exceeds the former.

According to statistics, more than 60% of young people's installment consumption is used for basic necessities and leisure.

On one hand, young people are struggling with meager incomes and 'moonlight' expenses, on the other hand, they enjoy a lavish lifestyle, constantly testing the boundaries between installment payments, over-indebtedness and high-quality life.

It can be said that the concept and behavior of over-borrowing and front-loading consumption are more terrifying than MLM, they target young people!

Recently, on the show 'Chen Qing Ling' (Stranger), one of the debate topics was 'Young and 'Low-key Rich', is that okay?'

In this debate, the girl only drinks Panama's limited edition Havana ice cream; red wine is only Romanne from Burgundy, countless lipsticks.

She is just an ordinary office worker, but even if she spends all her money, she must maintain her 'pretentious' lifestyle.

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Recently, a woman from Sichuan's Luhuan has been obsessed with shopping, spending over 200,000 yuan on online loans in a year, and now owes another 300,000 yuan in online loans.

It turns out that in recent years, the wife didn't work, and her husband earned a few thousand yuan a month, which couldn't be repaid, so in the end, in the 'eleventh night' before 'double eleven', they sat on the 33rd floor of the sky, trying to block the wife from borrowing money, and finally died with a heart attack.

How did the wife spend all the money?

The woman told her family about the consumption expenses of the past year, which were mainly 'clothes, bags, children's supplies, cosmetics and jewelry etc.'

There is also a girl who borrowed a lot of online loans to spend 200,000 to 300,000 yuan per month.

Finally, the mother couldn't stand it, after helping the daughter repay 400,000 yuan in loans, she decided to drive her out of the house.

For merchants, the abyss is not the most concerning, profits are their dearest friends.

'You don't despise buying those beautiful, attractive, high-quality things, because you subconsciously think you don't deserve them.'

It's a hint that not being extravagant is 'low-key', and that's 'low-key'!”

'Women are capable of holding up the sky, thank you for our new China.'

'Men cry but don't use credit cards, that's the evil old society.'Frankly exposing women's rights and consumption, stimulating people's desires, taking their pockets, and selling their products.”

'No girl will become poor because of shopping, especially beautiful girls'

It's as if those people trapped in online loans are not poor because of shopping, but rather.

'Smart women are willing to spend money on themselves'

Silently, they link their marketing to people's intelligence, implying that if you don't spend extravagantly, you're 'low-key',

As if not consuming and not spending money will ruin your future and your path, only you can bear the consequences, borrow and overspend - the result is to ruin your future.

In 'Train' by Miyabe Misaki, she says: 'The shackles of money can even bind the feet of the streets, let alone people. People trapped in them are willing to let themselves dry up and die, or fight with a sharp blade to break free?'

Please remember the following four lessons taught by blood, and summarize them as the four iron rules:Overconsumption will only lock you into a life of bondage, and you will never be able to turn things around.