(The post below can be categorised as 18PL/SX. Please stop reading, if your mental maturity is still below 18 years old)
I am perfectly sober when I write this. I am also fully aware that I might lose quite a number of friends due to this entry. But nevertheless, for those who are thinking of trying your luck borrowing money from me or others and invest in this shit, please F*CK OFF from my face.
It has been a general knowledge, that rich-quick scheme was banned few years back by BNM. The modus operandi, where the downliners have to pay upliners a certain amount of fees or buy something from the upliners (as to make the transaction halal) at a very exorbitant price, has resulted in exponential increase of wealth to the few, but at the expense of large debts carried by the mass or downliners.
The upliners, who sit at a higher rank of the pyramid, will usually wear expensive cloth, branded shoe, Luois Vuitton briefcase, drive a good car, i.e. Altezza, BMW 3 Series, RX8 and Impreza. Surprisingly, the show-off does work, and many stupid Malay students and freshly graduated Malay do get influenced by it. The upliners will also make some provocation on the ‘nasib bangsa‘ to these Malay students, and Malays being Malays are pantang dicabar, and without realising that they were cheated upfront, they will start imagining themselves to be one of the upliners. And finally, the hard earned salary and the PTPTN loans were sacrificed, as to ‘membela nasib bangsa’.
The modus operandi is again, a simple one. The upliner will invite the potential downliners for a drink in kedai mamak. Looking at the upliner driving his/her spanking new car, using a fancy mobile, wearing nice Tag watch and crisp Luois Vuitton, a group of potential downliner (say a bunch of farked-up students in one of Malaysian universities) without realising the purpose of the invitation, will then be brainwashed to death by the upliner, to the extent that you simply cannot face the world in the next following day. Later, when it comes to the bill for the drink, the upliner will belanja every potential downliners for the very first meeting.
The initial outlay is not cheap though. For example, one quick-rich-scheme require the new participant to invest in one of their three schemes. Different scheme will require different initial outlay, and the higher your investment, the larger the portion that you will get from your potential downliner’s initial outlay. The first scheme will require RM32,000 capital, and the second and the third scheme will require RM16,000 and RM2,500 respectively.
For a student, this is quite a hell a lot of money to fork out. For a newly employed fresh graduate who is earning RM2,000 per month like me, RM16,000 is quite a large sum to forgo. So where do they get their money from?
The answer is, leverage on your friends (i.e. ex-school mates, ex-kuliyah mate etc).
I have got quite a few text messages from my ex-school mate, requesting me to lend them some money for their business. Wtf, business taik kucing. And the sum requested is not small though, I have even got a request for RM6,000. Wtf!!
Luckily, I work as a government servant. A friend of mine who work in O&G once lended RM10,000 to one of our ex-schoolmate (who previously was a perfect prefect and wara’), only to discover 3 months later that the loan is only as good as a default junk bond.
The sickness of this rich-quick scheme disease has in fact compromised the integrity of the participants of the scheme. One friend of mine, once resorted to say that he needed money badly to cover the medical expenses of his dying mother. And this friend was in fact one of a high calibre during high school. See, how hypocrite those wara’ jokers. What a shame.
You might have thought that I must have gone through this before. Yes indeed yes. I had once visited their office for the brainwash, to discover that in that showroom, there were almost 1000 potential downliners. I am pretty sure that 800 of them is Malay. And I am pretty sure as well, that 600 of the 800 Malays must be university students. What a waste!!
And I wonder, how come quite a number of previously good, wara’, prefect, sportsman, perfect and obedient ex-schoolmates of mine had entrenched themselves in this mess. It is good if your are on the higher rank of the pyramid, but if it happens that you are at the bottom, and there’s no one else to recruit as your downliners, you will be f*cked up, with loads of debt to repay and service (if you take loan from loan shark).
And luckily, thank to God, I did not give a damn on this shit, and currently I am enjoying my decent life. Some say, it’s better to be poor than rich, as the rich fear for poverty, and the poor can smile even by small decency. And a smile is indeed a sadaqah 
