A fourth-year university student, deposited 2–3 million VND with the mindset of investing and learning, and mainly traded Bitcoin and gold (XAU). After a few months, they’d lost a total of $7,000 (~180 million VND) and now owe nearly 100 million VND through apps like MoMo and FE.

Sounds just like me when I was first starting out—also thinking I’d deposit just a little…