John, a gallant, hard-working guy, is brilliant and very innovative. He needs to expand his business and become a better person in life, taking care of his family and living the life he desires. Beads of sweat form on his forehead as he scrolls through his phone, anxiety etched on his face.

His phone screen displays a loan app advertisement. A mascot character, LOANY (a cute cartoon shark), winks at him. “Get up to 2 million naira with no collateral,” with a 10% interest rate for a period of 12 months. "Get the cash you crave, no need to fret, just pay us back a little... with a bit of interest sweat!"