Came across reports about TOP1 and have some questions

[Ella Green]

One thing that also stands out to me is how these types of lending products are often marketed as quick solutions rather than long term commitments. When people are under pressure, they might not slow down enough to fully understand the repayment structure. That does not excuse unclear terms, but it does explain why misunderstandings happen so often. I think it would help if there were more plain language explanations available in public records. Until then, people really have to rely on shared experiences like the ones discussed here.

I agree, the urgency factor changes how people read and process information. When someone needs money fast, they are not always in the best position to analyze complex terms. That is why transparency and simplicity matter so much in this space