ELI5: Explain Like I'm 5

Tobashi scheme

Okay, let me tell you a story about a man named Mr. Tobashi. Mr. Tobashi was a very smart man who knew how to make a lot of money. He came up with a plan called the Tobashi Scheme.

The Tobashi Scheme is like when you borrow money from someone and promise to pay them back with interest later. But what Mr. Tobashi did was a little different.

Let's say Mr. Tobashi wanted to buy a house, but he didn't have enough money to pay for it right away. So, he went to a bank and asked for a loan. The bank gave him the money, and Mr. Tobashi bought the house.

But instead of paying back the loan to the bank with interest, Mr. Tobashi went to another bank and asked for another loan. He used this loan to pay off the first bank, so he didn't have to pay any interest.

Then, he went to yet another bank and asked for another loan. Again, he used this loan to pay off the second bank, so he didn't have to pay any interest there either.

He kept doing this over and over again, borrowing money from different banks and using the money to pay off the previous loans. Each time he did this, he didn't have to pay any interest, and he could keep the money he borrowed.

Eventually, he had enough money to buy lots of houses and cars and go on fancy vacations. And all he had to do was keep borrowing money and using it to pay off previous loans.

But here's the catch: Mr. Tobashi knew that he couldn't keep doing this forever because eventually, someone would find out what he was doing. So, he had a plan to escape.

When it looked like people were catching on to what he was doing, Mr. Tobashi disappeared, taking all the money he had borrowed with him. He left nothing behind for anyone to take back, so he got away with all the money he had borrowed.

And that, my dear, is the Tobashi Scheme. It's like borrowing money from different people and using the money to pay off previous loans, all while knowing you'll have to run away eventually to keep the money for yourself. But remember, it's not a good thing to do, and it can get you in a lot of trouble, so it's always best to be honest and pay back what you owe.