The old n and won standing by, who didn’t understand much, all felt there was nothing wrong with it.
Even though it was only a bit over two thousand a year, you could collect it every year, and on top of that you could get your principal back after forty years.
"Heh, on the surface it looks like there’s nothing wrong, but in fact the problems are huge," Chen Yang said.
"Then go on, tell us, where’s the sche? If you can’t say it clearly, I’m definitely calling the police on you today," the office lady said through gritted teeth.
The villagers looked curiously at Chen Yang.
They trusted what Chen Yang said, but they really couldn’t see what could be wrong with this contract.
No matter how you thought about it, it seed like a good insurance policy.
How could there be a sche?
"Two thousand a year—have you ever thought about how much interest you’d get if you put that hundred thousand yuan in the bank?" Seeing how arrogant the other side was, Chen Yang didn’t bother being polite and directly raised the key question in return.
This question was where the sche lay!
As soon as Chen Yang said this, everyone on the spot froze, and that office lady who’d been so arrogant just now, her face imdiately changed.
"As far as I know, at the current interest rates, if you deposit a hundred thousand, you get at least three or four thousand in interest a year, right? And if you put it in a fixed-term deposit, it’s even more."
"So what’s the difference between your so-called insurance and a fixed-term deposit?"
"And as for getting your principal back after forty years—never mind what prices will be like then—even if that hundred thousand is still worth a hundred thousand in forty years, how much interest will you have earned in the anti?"
"After all that, it cos down to one sentence: if you have a hundred thousand, why not put it in a fixed-term deposit, why buy your insurance? If this isn’t a sche, what is it?"
With just a few words, Chen Yang directly ripped their sche wide open. The office lady’s expression was awkward; she opened her mouth several tis wanting to argue back, but really didn’t know what to say.
Because Chen Yang wasn’t wrong at all. This insurance of theirs, when you get down to it, was just a sche.
"It really is like that! If I save it in the bank, I’d earn more than these two thousand, wouldn’t I? And it’s every year, while with them you have to wait five years first."
"It’s pure套路, we almost bought it. Luckily you got here in ti, Yang Zi."
...
After Chen Yang’s clear explanation, the villagers imdiately understood that this was just a sche.
The office lady’s expression was stiff; with their套路 exposed they naturally couldn’t keep promoting, and could only start packing up in dejection, getting ready to leave.
"You can’t leave! You have to refund my money!"
Seeing that everyone had co to their senses, Chen Yang had no intention of sticking around any longer, but just then a few old n suddenly stepped out, agitated, and moved to block those insurance people.
"What are you doing? Move aside, we’re not doing this business anymore." The office lady, furious and humiliated, shouted at the old n.
"You can’t go, you must refund my money. How can you pull this kind of sche? Give back my hundred thousand!" The old n were agitated, holding the contracts they’d just signed and yelling for a refund.
Chen Yang noticed what was happening and imdiately understood.
These old n from Xiashan Village had obviously gotten too excited and bought in before he arrived, and now that they’d figured it out they wanted their money back.
But at already in their mouths—how could these people not eat it?
"Uncle, you bought this insurance of your own free will, it has nothing to do with us. The contract is already in effect; the money definitely cannot be refunded," the office lady said.
The others pretended not to hear, kept packing up and getting into the car, ready to leave.
"Doesn’t that an you cheated us? We old guys worked so hard to earn a bit of money—you can’t do sothing so heartless," the old man got even more worked up when he saw they wouldn’t refund.
That’s just how old farrs are in the countryside.
A whole lifeti without making any real money, then in their old age, thanks to Chen Yang, they managed to earn a bit. Now that they’d realized they’d been played, of course they were upset.
But the insurance staff didn’t care about that.
All they cared about was commission, about closing deals that couldn’t be undone.
"How did we cheat you? This is a service chanism, you understand? Either way, a refund is impossible. Hurry up and move, don’t interfere with our work, or we won’t be polite!" the office lady shouted angrily.
Exposed, she was furious and no longer had a shred of her earlier softness.
No matter how she’d argued with Jiang Miaoyan earlier, she’d at least kept smiling at the old folks. Now that Chen Yang had completely torn the whole thing open and there was no business to be done, her true nature showed.
The old man wasn’t about to let it go. After the two of them argued a bit, the office lady was utterly enraged and actually told the young guy next to her to hit him.
She was clearly the leader; the others, hearing the order, started swinging right away.
"Let go or not? Not letting go, huh? You’re forcing ! Get lost!" The young man raised his fist, ready to strike.
But when his fist was held aloft, just about to co down, his arm froze in mid-air. He just couldn’t bring it down.
He looked up and saw that at so point Chen Yang had already rushed up and grabbed him.
"You’re actually going to hit soone? The rumors about your insurance company are really true, what a disgrace," Chen Yang said coldly, frowning.
The young man flinched under Chen Yang’s gaze, then quickly ca back to himself.
"The fuck did you say? Let go, now! Or we won’t be polite to you either!" he yelled.
"You think you’re sothing just because you know a bit? Just you wait, you’ll get what’s coming." The office lady hated Chen Yang so much her teeth itched.
The atmosphere at the scene had almost been whipped up by her; and over this period everyone in Liuhu Village had money, almost everyone could afford to buy.
Such a big pile of business would have made her a ton of money.
But Chen Yang had shown up at the critical mont and screwed the whole thing up. How could she not hold a grudge?
"I don’t care about ’just you wait’, but if you think you can throw your weight around and hit people in my Liuhu Village, that’s not happening!" Chen Yang was angry too!
Whether the insurance could be refunded wasn’t sothing he could personally interfere in.
But if these people wanted to hit soone, that he couldn’t tolerate!
"Exactly, you scamrs are way too arrogant, trying to beat people up on our turf? There’s no law anymore or what?"
"Everyone, up! We can’t just let these scamrs walk away; they’re too hateful."
"Damn scamrs, this isn’t over today!"
Chen Yang rushed forward, and the other villagers erupted as well, suddenly swarming them.
The insurance company only had four or five people, while there were at least a hundred villagers there.
There was no way they could withstand that. In no ti they were beaten so badly they couldn’t even fight back.
In the end, not only did these insurance people obediently refund all the money, they were all beaten black-and-blue and fled in their car with their tails between their legs...
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