"Duuumb ways to paaay, so many dumb ways to pay..."

 

If you've ever had a friend who makes you feel like a genius, I have good news, Mariana knows precisely how you feel.
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200% interest, not reporting your card as lost because "it's lost, no one will find it," or even paying those "mandatory fees" hidden in your receipt. None of this is a problem for our protagonist because, after all, when you meet albo, the bank's troubles are over (because it's not a bank).