Core Viewpoint - The rise of knowledge payment platforms, particularly those promoting AI and financial success, is exploiting the vulnerabilities of the elderly population, leading to significant financial losses and emotional distress for many individuals [2][24]. Group 1: The Promoter and His Methods - The promoter, Zhou XQ, is identified as a self-proclaimed expert in financial education, with a background that includes being the founder of a marketing company and a speaker [3][6]. - Zhou XQ's marketing tactics involve persuasive language that promises life-changing financial success through AI, targeting individuals eager for new opportunities [5][10]. - The courses range from low-cost introductory sessions to high-priced exclusive mentorship programs, with some individuals spending up to 490,000 yuan to join Zhou XQ's elite group [11][12]. Group 2: Target Audience and Their Vulnerabilities - The elderly demographic, particularly those without stable income sources, is increasingly drawn to these programs, often driven by financial desperation and a desire for self-improvement [6][16]. - Many participants, like Huang Lihua, are influenced by the community atmosphere and testimonials from other attendees, which further entices them to invest more money into these programs [7][10]. - The marketing strategies effectively exploit the psychological needs of the elderly, who may lack the skills to critically assess the value of these courses [22][24]. Group 3: Industry Trends and Consumer Behavior - The online education market for the elderly is experiencing rapid growth, with a reported 220% increase in funding for elder online education initiatives [23]. - Complaints regarding online courses targeting the elderly have surged, with a 45% increase in grievances related to false advertising and refund difficulties [24]. - The combination of economic anxiety and the allure of quick financial success through AI education creates a fertile ground for exploitation within this demographic [24].