I like especially that part "You owe us money, we know already how much it is. We won't tell ya."
Discussion
Exactly. Physiological manipulation
it's a scam. they use scam techniques
it is worth studying cult indoctrination techniques to enlighten yourself about how the wider social malaise is started
should we be victims because other people are too stupid?
that would be a no
learn how people are manipulated, and don't be manipulated, you become their tool, do you want to be a tool of psychopaths?