Why is Cash Advance Forbidden Even for Non Jews? EXPLOSIVE OUTCRY!

Can you explain why rebat and kazad vance is forbidden if it is for towards non-Jews? Okay. So I mean I've I've made several lectures about this. I have uh many lectures on my channel about cash advance. So for more extensive answer, I would recommend you go watch those lectures and you'll find out more. Now there's a few parts to it. It's not something I could answer in two seconds. It's it's a whole shu or I've made many shulim about it talking about different parts of it. uh anyone that wants to study the answer completely from a sephil I could send you the sephil uh send you the book and you can read it with yourself or with your rabbi or um it's put it this way the chuva that uh rabb wrote in the is so conclusive that we have already publicly stated many times over the years that we're willing to pay anybody $100,000 000 cash if they're able to write a chuva, like a legitimate chuva that shows that it's allowed to do cash advance and prove our answer wrong. That's our conclusive. We've sent this book many to many that initially thought that cash advance is not a problem. Every single one of them that has read the cha has agreed and said no, it's 100% forbidden. every single one with no with no questions. The only ones that remain in disagreement are ones that simply not read the cha and just decide that they agree because they want to agree because they benefit from it. But every that has actually read this chuva a you know arrives at the conclusion without any doubts. Now there's a couple of things. Number one, when uh somebody is in a dire situation and comes to the cash advance business and uh says I want to borrow 100,000 or 100 million or whatever it is uh they present it as if listen he wants to make a lot more money out of it and therefore he's willing to pay the interest. he's signing off on it and he's not Jewish, obviously if he's Jewish, you're not allowed to to lend the money with a anyway. But if he's not Jewish, they think that they're allowed. So number one, the person that's signing the contract to borrow the money at 70 80 90%. He is someone that you compare to somebody that's gambling. And everyone knows that gambling is not allowed according to the Torah uh and according to the sages for many reasons. One of them being was is that the loser does not want to give the money to the winner. It's against his will. Even though he gives him the money and he technically agreed to those rules before he sat and played the game. When he actually does lose, he gives the money against his in against his will. He doesn't. And had he known that he would lose for sure, meaning there would be a 0% for him to uh to win, then he would not play. So when he gives him the money as a loss, he gives it to him against his will. And therefore, gambling is considered stealing. Now when the person signs a contract uh in the cash advance business as a customer, they are not agreeing to these terms of 70% in in a way where they're uh thinking that there's a chance for them to lose. Meaning they're assuming that either their deal, their investment is going to work out so well that and so quickly that they're never going to have to pay this 70%. They're going to pay back faster or they're going to make 500% and it's worth it for them to make 70% and so on. So in essence, when they're signing it, they're not signing it with a uh uh anic uh permit uh a uh acceptable way that this is really what they're uh they're paying. They're they're signing off on. This is again a minimization of that issue. There's a whole uh section of the chuva actually two sections about that chuva that explains this part which again like I said a to to really understand it you have to understand what what loca is and kanya is it's different terms and again we have it available there's a chuva that we could send it's on our website uh uh for free I could send you the hard copy of the book for free it's not it's not uh being hidden but that's one part the second part is is that you're not allowed to lend to give somebody something that is destructive to them. Okay. The reason why highinterest lending which is anything in today's and mathematically speaking anything above 30 35% is already at a stage where you could already start calling it uh uh predatory. Why is it called predatory? because it the interest is so much higher than people actually understand that you literally um are going to be destroyed by this uh by the interest. Now in the cash advance business they don't charge 35%. They don't even charge 40%. The guy that I was talking to he says he charges 70% or more in some cases much higher than that. So charging somebody 70% and thinking that that's honest business is is is is obviously not. That's it's it's obviously foolishness. So to give somebody something that is so predatory, that's so destructive to them that for him to succeed, he has to now pay you 170,000 instead of a 100,000. Which means that his business has to more than double within a short period of time, which is unrealistic. Therefore, it's not only unethical, but it is completely forbidden in every society. And the only reason it's being allowed within the cash advance business is only because of a loophole. Like if you go to a bank that is regulated by the government, they cannot lend anybody money for 70%. The only reason why the cash advance industry is able to do it is because of a loophole, not because uh that it's legal. And that's why the government and in New York and other places is cracking down on it and putting people behind bars and looking for different issues and looking to shut this business down. So, it's predatory lending has had its uh reappearance throughout history since the beginning of time. So to go and give something some to someone that is against their interest is forbidden. Furthermore, if a person looks at the statistics without being optimistic or pessimistic, simply looking at the statistics of predatory lending in general, you would see that the majority of the people that take these loans for 60% and 70% and 100% and so on end up losing end up losing. losing. So it's not just like we fear that they will lose. It's a reality that they will lose. And in many cases they lose everything. They start off with a $10,000 loan and they end up owing $100,000 or 200,000 meaning amount of money that's beyond their worst nightmares. Because when they cannot pay that 17,000 that it started off with 10 turning into 17, they have to now refinance into a new loan, but now the next loan now balloons into 50,000, a h 100,000. In so many words, what started off as a innocent mistake turns out to be hundreds and hundreds of thousands of dollars. Another thing is when somebody's willing to be unethical, when somebody's willing to act like a like like a like a uh alligator, like a monster, that means in one way, they they won't do in other ways. So many of the different policies and standard business practices within the cash advance business are based on lying to customers of what they're really charging them. They're not telling them they're really charging them, you know, uh 50% or 80%. They're telling them, "No, no, no. We're only charging you 3% a week. That's it. 3%." So the customer thinks, "Oh, so this is 3%. So, okay, so 3% a week." And he does uh, you know, incorrect math because he doesn't know what does it mean 3% a day, 3% a week, 3% a month. He doesn't really understand that it actually translates into hundreds of percent. So they lie about what they're actually doing. Third or fifth or sixth, whatever it is, they have different policies within the industry where they have a the ability that if the person does not pay them on time, they could take over all of his assets within 24 hours. Now, this is not in every loan and this is not everywhere, but it does happen often enough that there's plenty of articles about it. So, and that's another way that they steal money from people. And there's many, many other reasons. The point I'm trying to tell you is that Schlomik [snorts] forbid anyone from lending money with interest to the nations because of this business 3,000 years ago, just called something else. Every major Jewish disaster that we've had in the last couple thousand years before that disaster happened, the number one business that was prospering for the Jews before it was this business just called something else. In the end, it's highinterest lending to the Gentiles brought disaster to the Jewish people. So history has shown us that this business is a disaster for society, for people, for for for uh uh for the Jewish people. Another thing that you'll see in a chuva is what different have said throughout history about this industry of high interest lending. It says this not only brings anti-semitism, but this bringse and worst of it all, a person that lends money with eye interest to to thee is considered af is someone that's trying to kill you. And if someone is trying to kill you, you're allowed to kill them. Why is why is somebody that's in the business called a according to some? because he's bringing so much hatred to the nation that it's as if he's trying to kill the nation. And one of the common sense ways that the have explained of why this is so bad, he said if you are living in America, in England, in Australia, obviously that's not your home. It's the Gim's home. It's the American home. It's the Australians home. It's the English home. It's the French home. And they're allowing you to live among them, which obviously you owe them a gratitude for allowing you to live in peace in their country, in their land. So when you as a Jew that is supposed to say thank you to the non-Jew for allowing you to live in peace in their country instead of saying thank you are cheating them in business or giving THEM A PRODUCT THAT IS predatory you are an ungrateful horrible person and in fact Rashi wrote You are strengthening Amalik with every transaction. Instead of saying thank you to the Gentile that is allowing you to live in peace in their country, you are taking advantage of them. And you know if you've been in the business for at least a year, you know what the history of your customers are. you without even reading the book. How do you know? Simple. LOOK AT WHAT HAPPENED to your customer after a year. You have, let's say, 10 customers you got in the first month [snorts] and then you continue getting more customers each month. Do yourself the service and look at what happened to the lives and business of those 10 customers on the average after a year. And every single broker in that business that I've spoken to that was honest told me, "Rabbi, everything you're saying is 100% right. The average person loses and not only loses, loses a lot as a result of that. But where else am I going to make a h 100,000 a month?" And the answer they all get is, "I don't care where you're going to make 100,000 a month. And in fact, I don't think you're going to make $100,000 a month. in a different business, at least not right away. BUT THAT DOESN'T MATTER. YOU'RE RUINING PEOPLE'S LIVES. Just because you want to make money doesn't mean you're allowed to be a hitman. So a person could do one of two one of three things. one they want to want to study the reason that is conclusive that's indisputable according to the according to the according to the according to all opinions there's no once you read the you will see there's no debate whatsoever that cash advance business IS AGAINST THE TORAH NOT AGAINST THE RABBIS AGAINST THE TORAH AND YOU EVERYONE that's in the business that's supporting the business that's even silent knowingly and accepting donations from that business knowing that IT'S COMING FROM THERE ALL OF THEM WILL BE PUNISHED endlessly as a result of it anyone that wants to learn the read the you will see it and your eyes will open and then it'll be easier for you hopefully to make a decision to realize that you have to run away from this business and pretty much spend the rest of your life fixing your mistake. Option two, you don't want to read the answer, but you want to know for sure that it's bad. Simple. LOOK AT WHAT HAPPENS TO YOUR CUSTOMERS. AND DON'T TELL ME, "NO, LISTEN, I LENT THIS ONE GUY $100 MILLION AND HE DOUBLED IN LAST YEAR." I'M NOT TALKING ABOUT THIS oneoff situations. I'm talking about average STATISTICAL AVERAGE WHAT HAPPENED? YOU HAVE a 100 customers. What happened to the majority of them and not just 51%. Majority even more than that. You will see it ends up destroying them. It ends up hurting them. This is not some statistic I made up. IT'S A REALITY THAT EVERYONE knows and is undeniable. any news nation, any journal, any uh financial experts that have discussed this industry calls it predatory lending for a reason throughout all of history. No one calls something predatory if there's a chance, STATISTICAL CHANCE, THAT IT'S GOOD. Only reason it exists is because people are greedy. That's it. It's not good for the economy. It's not good for the customers. is not good for anyone other than the greedy people that simply do it. So you don't want to look at the reason, look at what you're doing to people's lives. Are you okay with ruining people's lives? If you are, you'll simply deal with the consequences that come eventually because don't forget, Hashem runs the world. And eventually, he will pay you the punishment that will literally make your worst nightmares look like good dreams. One example that just was reported to me by one of my students that told me that one guy in the business lost his wife and kids in a single day. All of them died. And the rabbis told them, "It's because you're in A CASH ADVANCE BUSINESS." THESE ARE some of the few rabbis that actually tell people to run away from it. When I told this story to the guy that I met in the cash advance business this week, he told me, "Yeah, I know the guy. I know him personally." He gave me his name. Whatever. Point is that I said, "Listen, I don't know. Somebody told me about it and I figured I'd share with you and you happen to know the guy." Goes, "Yeah, the story is true. They uh [sighs] he lost his wife again. He's he's uh big in the cash advance business." What do you think? This is just it it happened that way. It's a chance. No, you look at look at what happens. Eventually, people that are in bad businesses that are hurting society, that are hurting people, people that are doing bad things, eventually they will pay the bill. Hashem runs the world. So, if you don't care about ruining people's lives, don't cry when Hashem ruins your life to such a point that your average day is a nightmare of all nightmares. And remember, that's just the punishment you're getting in this world. What you're going to get in the next world is much worse. Much worse. If you have any interest in seeing some of the details, watch my film called Ghom. After that, watch the movie I made I made called uh uh that is what the future looks like for those people without a doubt. I say this with zero doubt in my mind and it's not my opinion. You look at the chuva, you look at what the sages said, no one can dispute it. Opinions, opinions are worthless. People's ability to debate useless. In the world of Torah, we have truth, we have false based on what the Torah says, not based on how you want to manipulate it and how you want to understand it. There is a way to understand things based on what the wrote. That's option two. Option three, completely ignore reality of hurting people. completely ignore the ala that says it's forbidden. Ignore and continue in the business and suffer the consequences. When the consequences will happen, I don't know. I don't run the world. Hashem does. He doesn't tell me. To that guy last week or two weeks ago, apparently his punishment started and it's for sure not over. For other people, Hashem may let them continue earning more and more punishments for the rest of their lives or for a few more months. But I promise you, no doubt that they will all be punished in this world and the next because the Mishna says someone that desecrates Hashem's name in private will be punished in public. They're all doing it in offices. They're all doing it behind the scenes. They're all doing it pretending that they're helping people because they give some charity sometimes because they think that they're helping. In reality, everyone that's in the business knows it's corrupt. And that's it. Three options available to whoever is in the business. You want to ruin this world and the next world for yourself, continue in the business. Continue ignoring reality. You want to know why it's against the Torah, you have the you could simply send me a text message or an email. I could send you the book or you could go to my website bzashem.org. Over there there is a uh uh free educational PDFs or in books you could it's in there. There's one of the uh books that's there. You could uh there's two books that this chuva is in. You could download one or the other. And if you want a hard copy of the book, send me a message. What's your address? I'll send it to you. I'll send it to you free. I'll even pay for it. Meaning, you have to think about this. What do I have to gain here? All of this has brought me, like all of the other wars, is only a headache. What do I care about people doing cash advance? Do I have some type of stock and their loss? No. Why would I fight so hard against this? If I have no benefit whatsoever and only a downside, if I was looking for my own personal interest, I'd tell everybody it's allowed. Tell them, "Do whatever you want and just donate the money to me. But I don't. So why am I speaking against it so often? Because like we said in the lecture, there's that doesn't say anything. Those are the rabbis that stay silent even though they know that this is bad. Then there's the tells you about the dangers of your sins. I don't think about my personal interest. I think about people's interest. I invest in Jews. I invest in people doing chuva. If that means that some people will listen and some people will go against, then so be it. And so be it. You have to understand I have no benefit whatsoever in doing any of this. Not in people being in the business, not people leaving the business. But we do what we do because that's what the Torah commands us to do. So if you're going to be in the business, you have to make sure that you either have a reason to do it that's allowed according to or you simply decide I don't care about I don't believe in I don't believe in a Torah and suffer the consequences that come with that. Simple. Uh, I didn't really want to spend so much time on this question, but this is one of those issues where it boggles my mind how evil can people be. Boggles my mind. How evil people can be that they're simply decide that their personal interest is so valuable to them that they're willing to destroy people's lives in the process. To me, it's no different than a murderer. It's no different than Nazis. I know people going to criticize, oh, how could you call Jews Nazis? If you are in that business, you're not different than a Nazi. If you're in that business and you don't care about destroying people's lives, you're not. What distinguishes you and a Nazi? OH, HE KILLED. YES, YOU'RE ALSO DESTROYING PEOPLE'S LIVES. Maybe not in the same way, in a vicious part, but it's a vicious thing. It's a vicious thing. HOW CAN YOU ALLOW YOURSELF TO BE SO EVIL? There has to be a limit. THERE HAS TO BE A LIMIT SOMEWHERE THAT OKAY, FINE. YOU WANT TO DO SOME BAD THINGS. YOU WANT TO GO WITH THIS GIRL. YOU WANT to go gamble. You want to go violate Shabbat. You want to GO CERTAIN THINGS. I UNDERSTAND PEOPLE HAVE TABOT. I LIVED AS A SECULAR person most of my life. I UNDERSTAND that there's DESIRES AND LUST. BUT HOW EVIL CAN A PERSON BE? HOW CAN FALL TO SUCH A LEVEL? HOW HOW DO YOU ALLOW YOURSELF ON A REGULAR BASIS? YOU WAKE UP IN THE MORNING AND YOU GO TO OFFICE AND DESTROY PEOPLE'S LIFE. HOW CAN YOU ALLOW YOURSELF TO LIVE THAT WAY? HOW HOW CAN YOU KISS YOUR KIDS GOOD NIGHT EVERY NIGHT? SAY, YOU KNOW, you're having A DINNER WITH YOUR WIFE AND KIDS WITH WITH A NORMAL HEAD, KNOWING YOU JUST DESTROYED SOMEBODY'S LIFE by lending your money and and the guy not realizing he's going to LITERALLY HAVE TO BORROW 50 TIMES just to hopefully one day break even if he doesn't declare bankruptcy. He has to literally win the lotto to get out of this hole you put him in. How can you live with yourself? The guy worked for 10, 20 years to build a business. He has employees. They all depend on their salary. They all depend on the product. And you're going to destroy it because you want to make a 10, 20, $30,000 commission. How can you live with yourself? How greedy CAN YOU POSSIBLY BE? THERE'S SO many easy ways to make money in the world. IF I WENT BACK INTO THE BUSINESS, I CAN GUARANTEE YOU WITHIN THE FIRST YEAR, DOESN'T MATTER WHAT BUSINESS YOU PUT ME IN, I'LL MAKE SEVEN FIGURES. IT'S SO EASY TO MAKE MONEY. WHY DO YOU HAVE TO DO IT? DESTROYING PEOPLE'S LIVES. WHY? WHY? YOU CAN'T SELL ANYTHING ELSE. YOU'RE SUCH A YOU CAN'T DO ANYTHING HONEST. WHY CAN'T YOU DO HONEST BUSINESS? THERE'S SO MANY WAYS TO MAKE MONEY WITH ARTIFICIAL INTELLIGENCE, WITH SELLING KOSHER PRODUCTS, WITH BEING IN ALL TYPES of businesses in real estate and stocks and and in in insurance, in basic businesses. You could trade businesses. YOU COULD DO SO MANY THINGS TO make money from home, FROM AN OFFICE. LITERALLY, YOU HAVE TO BE NOT TO MAKE MONEY IN THIS ECONOMY. WHY DO YOU HAVE TO DO IT IN A DISHONEST DISHONEST WAY? WHY DESTROY PEOPLE'S LIVES? [screaming] COME ON. IT BOGGLES MY MIND. IF YOU PUT YOUR EFFORT INTO SOMETHING, YOU'LL SUCCEED. YES, people have different skills. YES, PEOPLE HAVE bad timing, good timing. I understand. But it's you don't need to cheat. You don't need to cheat. You just need to have persistence, patience, PERSISTENCE, AND PATIENCE. That's it. That's all you need. You don't need to cheat. You don't need to steal from anybody. You don't need to ruin people's lives. It's not right. It's evil. And my whole life, even before I did chuva and started teaching Torah, I've always hated evil. I've always hated evil people. I've always hated people that steal, people that destroy lives. I remember in the brokerage business, people literally would take money from people, telling them they're investing in stuff, and in reality, they're not investing it. They're stealing it or they're buying things and and churning the accounts. And I hated those people. I hated those people with a with a passion when they offered me deals to do. So I come to them, literally laughed in their face, one guy I remember early on in my career in 2003, said, "Listen, you come work for me on your first day, I'm giving you $7 million cash. First day, I'm 23 years old at this time." He said, "You come work for me. First day, I'm giving you $7 million cash. I can give it to you in suitcase. I can give you a wire trench for any way you want. What 23y old will say no to a $7 million deal? And that's JUST ON THE FIRST DAY. Much more is going to come after that. I laughed at this guy. You want me to steal money from people pretending I'm investing it and use the money to buy your junk, your fake companies? You think I'm going to DO THAT? I DIDN'T HAVE TO BE RELIGIOUS TO KNOW I'M NOT GOING TO BE A THIEF. YEAH, BUT IT'S $7 MILLION. I DON'T CARE IF IT'S $700 MILLION. I GOT A JEWISH [screaming] HEART. HOW COULD I ALLOW MYSELF TO RUIN PEOPLE'S LIVES? WHERE IS YOUR [screaming] JEWISH HEART, AI IS? WE HAVE SUFFERED FOR 2,000 YEARS AND CRY TILL THIS DAY. ANTI-SEMITISM. ANTI-SEMITISM. LOOK HOW THE GOIM ARE HURTING US. BUT YET WE ALLOW SOME OF OUR BROTHERS TO DO THIS QUIETLY WITHOUT ANYONE SPEAKING AGAINST IT. HOW HOW IS THIS HOW AM I THE ONLY ONE TALKING ABOUT THIS? SIX YEARS I'M FIGHTING AGAINST THIS HORRIBLE TERRORISM WITHIN our own communities. NOBODY WANTS TO SPEAK UP. WHAT ARE WE WAITING FOR? A HOLOCAUST LIKE IT HAPPENED EVERY SINGLE OTHER TIME. There's ways to make an honest living even if you want to be a millionaire. And the and also in both of them on page 16 SAYS THAT DECIDES HOW MUCH MONEY YOU'RE GOING TO MAKE ON WHICH means that if you are in a cash advance business or you are in A BUSINESS SELLING PLASTIC PENS IF A KADOSH DECIDED YOU WILL make a million dollars you will make a million dollars. on that year. Which means that if you made a million dollars in a corrupt, horrible business that destroyed people's lives, and you'll be punished for it. GUESS WHAT? YOU DIDN'T ONLY LOSE OUT BY DESTROYING people's lives, by acquiring sins, but you also lost out because Hashem would have given you the million dollars anyway. Hashem would HAVE GIVEN YOU THE MILLION DOLLARS ANYWAY. And the other way would HAVE BEEN A MITZVAH. THE OTHER WAY WOULD HAVE BEEN KOSHER. Just a little bit of amuna, a little bit of ethics, a little bit of mercy, a little bit of a Jewish heart. So, yeah, it bothers me. And yeah, I'm going to continue fighting against it. And yeah, one day everyone's going to say, you know, you're right. And that's not going to do anything good for me because it would have already been late. Too late. I don't need to be right. I need people to help themselves and get themselves out of this disaster. That's what I need. That's what everybody needs. You can look at the ala or you look at the statistical reality. Whichever one you pick, you'll arrive at the same conclusion. It's a bad business. It's a bad business. And the only reason why anyone is in that business is simply because it's a temporary license to steal. That's it. That's all it is. It's a temporary license to steal. Some people have been given the permission to steal for the last 5, 10 years, 20 years. But eventually, Akadoshu shuts down the show. And when he does, it's going to hurt. It's going to hurt. I hope enough of you make the decision before you get there because now you can help yourself. Later on, nobody can help you. And if you think that you're making a mitzvah by donating money, even if you donate a 100% of that money, it's not a mitzvah because it's all considered stolen money. Not a dollar of it is considered a mitzvah. Doesn't matter if you donate a billion dollars. It's not a mitzvah. It's a sin. And every single person that's in that business will be punished for it. Even the secretaries that answer the phones. You think I'm wrong. Prove it. Not with words. Prove it with prove it with this is what is stands on. We have a chuva. We're willing to even pay anyone that could prove our chuva wrong. any amount you want. I threw $100,000 out there just because we figured it's a nice amount. You want more? We'll higher the stakes. 500,000. Every single that has read the Chuvat arrived at the same conclusion. I only wish they spoke about it publicly as often as we do.