My handler made me take out a ¥400,000 loan from a consumer finance company, but they still haven’t paid me back.

Generally speaking, people say fraud is difficult to prove, so fraudsters aren’t arrested very often. But when it comes to papa-katsu (compensated dating in Japan), it seems like people get caught quite quickly. I think that’s because everything is discussed over chat, leaving behind evidence of the lies. Even if they discussed it verbally, they don’t seem to plan things as carefully as professional scammers would, so I still feel they’d be caught pretty quickly. The problem with this question is the part that says: “I want to pay it back all at once, but should we say it’s a scholarship?” The issue is that they’re trying to deceive the other person and take their money. That’s outright fraud. I think it would be better to find a way to earn money without deceiving anyone.

If you do papa-katsu (compensated dating in Japan), you could pay back around ¥400,000 pretty quickly. Then you’ll probably get hooked on hosts again, though. That’s fine. If the money keeps circulating like that and everyone’s happy, why not? But you seem to have trouble even carrying on a conversation, so a club might be difficult for you. Try your best on an app.

If you have to ask others how to lie, I think you’ll be found out pretty quickly. Doing things like that is likely to cause trouble, so I think you’re better off not lying at all.