Xiao Ming is a university student. Hearing that the Binance Alpha project has considerable returns, he was tempted and paid the tuition for the "haircut tutorial" and invested the loan funds, hoping to earn extra income through investment. However, the Binance Alpha project did not perform as expected, and Xiao Ming's investment is currently in a state of loss. Facing the pressure of loan interest and investment losses, he began to reflect on his decisions.