I lost all the money I made in the last bull market, a full 1.5 million. Now I've sold my car and I'm still in debt 180,000.

I am a little monk, and I definitely won't pay it back. Moreover, I have to find a way to take out online loans.

With an annual interest rate of 18~36%, I might as well not pay it back early, as in the end, the result will be that I can't pay it back anyway.