It’s the perfect process.
Some saps incur huge debts in return for an outcome they don’t get. On the back of the debts, a spiv makes millions and disappears outside reach (but gets some happy snaps with important people in the interim).
Then some lawyers step in to seek compensation for the badly-done-by saps, and the badly-done-by saps pay more to the lawyers.
It kinda comes with sap turf.