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Lottery, but at a larger, larger scale. In SE Eastern countries and India, there's something better than this bullshit and they're unified QR payment systems, central bank's interbank transfer system, and virtual accounts. This investment is more a lottery than a real investment

Probably born because of complex electronic payment rules in the West + probably greed. In Indonesia, you can transfer your money easily without private companies as middlemen like Paypal and the central bank acts as the middleman and it's cheap (only about $0,16 for small to moderate transactions and about $0,43 for RTGS / larger transactions). A Canadian Youtuber who makes Indonesian content, Sacha Stevenson, said that in Canada, you need to make an appointment, which is time-consuming, to transfer money to your family otherwise it's considered a suspicious transaction, while in Indonesia you don't

In the West, electronic payment methods are proprietary and there's no unified payment system (not referring to Indian's UPI, but in general)

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