I think the irony is that this bet, which was initially started in an attempt to teach those who were overly vocal and eager to accuse something of being a scam, will end up showing that when a large group of people with possible knowledge of a topic warn you about it, you REALLY should listen, lest you lose out twice, first on being involved with the thing they warned you about, and second with trying to show you know better that those with actual knowledge/experience.

And regarding Chaang, if Pirate has the money to pay back -everyone-, then what can Chaang Noi possibly do to prevent that?