Everyone was a bit confused.
Not legit?
What do you mean, not legit?
Could it be... that Qin Feng is working as a pimp outside, running an illegal business?!
But that doesn't make sense either.
Being a pimp is also illegal!
Just then, Qin Feng continued:
"My way of making money is by taking out online loans!"
"Taking out online loans?"
Everyone was unfamiliar with the term and didn't understand it.
After Qin Feng explained it,
the crowd grew restless, and the situation descended into chaos.
"What? So that's just borrowing money, right? Isn't that like usury?!"
"No wonder the money comes so fast. Borrowing money—of course it comes quickly!"
"But in the end, don't you still have to pay it back?!"
"Exactly! This is just a joke. Not only do you have to repay it, but you also have to pay a huge amount of interest."
"Qin Feng, I'm not criticizing you, but your way of spending money is really wrong! You took out a loan to buy a car worth over a million? How are you going to pay it back?!"
"Sigh! I really thought Qin Feng had some way to earn money, but in the end, it turns out he just borrowed it?!"
"This isn't making money at all! This is losing money!"
Everyone shook their heads and sighed, overwhelmed by a wave of disappointment.
They felt their hopes of making money had been shattered.
They had gotten excited for nothing!
Moreover, they felt Qin Feng was beyond help, that his life was practically over.
...To think he'd gotten into borrowing money.
At the time, people still saw loans as something as dangerous as a beast or poison.
They felt that once someone got involved with loans, that person was doomed!
Especially since Qin Feng not only took out loans but also used the borrowed money to buy a car worth over a million...
There was no way he could pay it back!
His life was surely ruined!
Qin Guangzhi's anxious heart was completely shattered, his eyes dull and lifeless.
He never expected that his son would actually take out a loan!
And even used the loaned money to buy a car worth over a million yuan! In other words, Qin Feng must have borrowed at least a million yuan...
Even if they sold their house ten times over, it still wouldn't be enough to repay the debt!
As for Qin Feng's mother, Li Fengxia, she was utterly terrified.
She was just a rural woman who had never experienced anything major in her life.
Now, suddenly learning that her son had taken out a loan of at least a million yuan—how could she not be scared out of her wits?!
The sky had fallen!
To her, it truly felt like the sky had fallen!
She nearly fainted, her whole body weak. If she hadn't been sitting on a chair, she might have already collapsed to the ground.
But at this moment, Qin Feng simply smiled faintly and said:
"No!"
"Loans like these don't need to be repaid!"
The previously noisy environment instantly fell silent.
Everyone stopped their chatter and turned to look at Qin Feng,
their eyes filled with confusion and disbelief.
Qin Guangzhi and Li Fengxia also immediately turned their attention to Qin Feng.
"What's going on, Qin Feng?"
"Why do you say it doesn't need to be repaid?"
Qin Guangzhi hurriedly asked.
Qin Feng explained:
"Our country recently introduced a new law stating that any loan with an interest rate exceeding the legally prescribed limit is illegal."
"And the loan apps I found online all charge interest rates that exceed the national limit."
"In other words, their lending practices are illegal!"
"Since their actions are unlawful in the first place, how can they claim legal protection?"
"So even if I don't repay this kind of loan, they can't sue me, and the police certainly won't arrest me."
Hearing this, everyone fell into silence once again.
This information truly challenged their understanding of how things worked.
In their traditional view, if you owe someone money, you must repay it. If you don't, the lender can sue you, and you could end up in court or even jail.
But now, Qin Feng was saying that not repaying this kind of loan was completely fine?!
Not illegal at all?!
And it's actually the lenders who are breaking the law?!
This really subverts their understanding of how things work.
"But... but even so, those people wouldn't just let it go, right? They wouldn't just allow you not to repay the loan, would they?!"
After a moment of silence, Qin Guangyuan voiced the doubt in his heart.
Others quickly chimed in:
"Yeah, yeah, those lenders must have other ways to pressure borrowers into repaying, right?!"
"I've heard that loan sharks have connections to organized crime! What if they break the limbs of those who don't repay?!"
"Exactly! Even if not repaying isn't illegal, getting your limbs broken is still unacceptable!"
Qin Guangzhi and Li Fengxia's hearts grew heavy again.
They only had one son—what would they do if he really got his limbs broken?!
What the next person said frightened Qin Guangzhi and Li Fengxia even more:
"I've even heard that some gangs chop people into pieces and feed them to dogs!"
Qin Guangzhi and Li Fengxia felt their vision go black at these words.
But Qin Feng burst into laughter and said,
"Uncle Guangwen, society isn't like that anymore!"
Then, speaking seriously to everyone, he continued:
"Of course, they will try to collect the debt, but it definitely won't be as extreme as you described, like breaking people's limbs..."
"We're living in a society governed by law now. If someone breaks another person's limbs, that's a crime, and they'll end up in jail."
"Those debt collectors aren't stupid. Their goal is to recover the money, not to commit crimes and go to prison."
"Their usual debt collection methods are—"
"First, they'll try normal collection. If that doesn't work, they'll resort to phone harassment, showing up at your door, or even threats."
"If they still can't collect the debt, they'll notify the contacts in the borrower's phonebook, ruining the borrower's reputation by exposing their failure to repay."
"Only if all these methods fail will they turn to violence."
"But even then, they won't go too far or make too much of a scene... after all, such behavior is a crime."
"Usually, it's just a few people showing up with clubs or something similar to pressure repayment. They'll mostly rely on threats and intimidation, only resorting to violence as a last resort."
Everyone fell silent again after hearing this.
Finally, Qin Guangyuan was the first to speak:
"Even if it's just a few people coming to collect the debt, it's still dangerous. How can one person fight off several people?!"
The others nodded in agreement.
Qin Feng also smiled and said,
"Uncle Guangyuan, tell me—if I were blocked at the door by someone with a stick, would you just stand by and do nothing?!"
Qin Guangyuan didn't even hesitate before replying,
"Of course I wouldn't just stand by!"
"How could I watch you get bullied right at our doorstep by outsiders?!"
"If they dare to do that, I'll definitely grab a pitchfork and teach them a lesson!"
Others chimed in one after another:
"How could anyone in our village let outsiders bully us right at our doorstep? We'd never stand for that!"
"Exactly! It's one thing for families in the village to have disagreements—we can argue, scold, or even fight among ourselves. But if outsiders try to bully someone from our village, that's absolutely unacceptable!"
"How could we face our ancestors if we just stood by and watched our own people get bullied by outsiders?"
"When it's time for ancestral worship, we wouldn't even have the face to step into the ancestral hall."
This is the main reason why clan-based villages are so united. They share common ancestors and have ancestral halls for worship.
Ancestors and ancestral halls bind their relationships tightly together.
Qin Feng nodded and said,
"Right!"
"Our village has so many people—why should we be afraid of those few debt collectors?!"
"When the debt collectors come to our village, we'll make sure they arrive full of themselves but leave with their tails between their legs!"
"And if everyone takes out loans, then when we take action, it won't just be because we share the same ancestors or are part of the same clan."
"At that point, we'll become a community of shared interests. Everyone will be more united and stick together even tighter!"
"By then, we'll be absolutely unbeatable!"