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My theory was along those lines.
My guess is sknab lent chris/epass money based on what money was held in reserve by the bank to cover whats on the visa cards. Either some major players cashed out , thus less money in reserve or the bank asked for a bigger cut on the loan to chris/epass , and when chris didn't want to renogotiate they pulled the plug because the fund to cover whats on the cards was too low. i.e. chris didn't pay back the loan.
just a theory anyways.
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