With fees capped at 14% and interest capped at 35% APR, a doubling could still be legal if they have 2 years to repay, especially with frequent compounding.
Not that children have the patience to wait 2 years for a return on their investment, though.




And then they can enhance that business by turning around getting pedophiles to subscribe and pay for in game credits so that they can interact with a bunch of undersupervised children.