Core Viewpoint - The "rent machine loan" model is revealed to be a high-interest loan scam disguised as a technology rental service, with annual interest rates reaching up to 400% or more, far exceeding legal limits [1][13]. Group 1: Scam Mechanism - The "rent machine loan" involves users renting phones from platforms that do not legally transfer ownership, leading to hidden fees and exorbitant interest rates [7][9]. - Users are often misled into believing they are making a profitable transaction, only to find themselves in severe debt due to high rental costs and fees [6][12]. - A case study of a user named Ms. Jiang illustrates the deceptive nature of this scheme, where she ended up owing 420,000 yuan after initially receiving only 59,000 yuan [5][6]. Group 2: Legal and Social Implications - The scam not only results in financial loss but also poses threats to personal privacy, as some platforms illegally collect users' contact information, leading to harassment and potential fraud [13]. - The issue of violent debt collection practices has become increasingly serious, disrupting social order and endangering public safety [13]. - A recent court case in Shanghai highlighted the legal ramifications of such scams, with a perpetrator sentenced to over a year in prison and fined 1 million yuan for operating this fraudulent scheme [14].