Rate Of Return
CommemorativeYour top-up is seen as "liabilities to be processed" in the eyes of others.
"Your trust" is seen as "naive investors to be harvested" in the eyes of others.
To be blunt, the prepaid model is a business where "the merchant takes your money, and you get nothing."
Either don't top up at all, or only top up an amount that "you won't feel bad about losing."
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