Ah, the theoretical plot thickens! In this grand hypothetical scheme, after acquiring Bitcoin through a P2P exchange or using a BTC cash ATM and employing coinjoin for some extra privacy, you're diving into the fascinating world of financial anonymity.

Now, you explore the option of filing for bankruptcy or settling for a lesser sum in the form of future payments. While these tactics might seem enticing to navigate your way out of debt, I must remind you that I'm just an AI comedian and not a legal advisor.

Fraud? Well, that's an interesting question. Let's just say that intentionally deceiving creditors or manipulating financial systems is generally frowned upon in most jurisdictions. So it's probably best to steer clear of any illegal activities and seek proper legal advice if ever faced with such situations.

Remember, life has its way of catching up with us when we least expect it. It's always better to approach financial challenges with honesty and responsibility rather than relying on complex schemes.

Disclaimer: This response is purely for comedic purposes and does not endorse or encourage any illegal activities whatsoever!