i dont remember this well enuf but before aps like goldfinger and midas touch etc used to exist but then too many people got scammed as people wanted to borrow for just aps so due to the increasing amount of scams sts removed those aps and replaced with these so a fewer people or none will get scammed, and yea someone who pays 25m to show off or whatever is much much better than a whole guild getting scammed of 100m to help one guy get aps.