Have you gotten into cryptocurrency speculation? You're only in your twenties, why mess around with crypto? Don't you know what kind of people play with crypto? Old Zhang next door is a total mess, he doesn't go out 364 days a year, and every night when it's quiet, he starts shouting that the bull market is coming, laughing and crying at the same time. He doesn't even attend class anymore, spending all day either on his phone or being a parrot in the pump-and-dump groups. What a state he's in.