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                            <li><i class="fa fa-clock-o fa-fw"></i>2025-03-25T15:30:41</li>
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Not buying a house, not starting a business, you can still be a person. In 2020, there were 743,100 people listed as defaulters; in 2021, it increased to 6,388,200 people; in 2022, it was 7,188,500 people. By February this year, it broke through 8 million, which means an additional 3,000 people every two days. Those over 30 are the most affected, with the highest number being between 40 and 50. There are three types of people: business operators, college students who failed in their startups, and those who took loans to buy houses. Got it? Business operators are like me—entrepreneurs who run companies. See if you still want to start a business after this. The last group is those who took loans to buy houses, and their ending is often family breakup and fleeing to other places. The houses that once protected you from the wind and rain have been auctioned off, and the defaulters are now sleeping on the streets. In this environment, you can't be a beneficiary of the times, but you've become a casualty of the larger environment. Is that tragic? Do you know why? Because you've been brainwashed, because you believe good people get good returns. Do good people really get good returns? When I was a good person, bad people bullied me; when I became a bad person... Remember, there's no such thing as true black and white; this world is just a shade of delicate gray. Morality and making money don't follow a cause-and-effect cycle, but if brainwashing becomes a cause-and-effect cycle, it turns into: you have morality, you're a good person, and you can make money. See, in the process of making money, you get tied up by a moral chain, like a spell that tightens around you, choking you. For example, you believe opportunities are for those who are prepared. Let me tell you, anyone who succeeds does so because of their ideas and a bit of luck. Look at the current short video platform—it shouldn't have been created by Zhang Yiming, but by the Ma brothers. Why? In terms of cognitive ability, financial resources, and team strength, they were the best at the time. By the time you're prepared, it's too late. So don't listen to those successful people bragging about how they made money through cognition and effort; they're just too embarrassed to say they succeeded by luck. Really, I started doing internet short videos in 2019, and I am where I am today because luck has been a huge help. People have high aspirations, but when you default, when you're in debt, when your family breaks apart, do you really think it's your problem? Do you really think it's because your brain isn't good enough? Brother, look around—whose life is easy these days? The whole world is the same, and some places are still at war, where a life can disappear in an instant. Is it because they didn't work hard enough? Is it because they were lazy? Your low point has nothing to do with you—not because you didn't work hard, not because you lack ability, not because you lack luck. It's the times that make heroes, and we are all products of our current circumstances.
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