Any kind of highly deceptive behaviour is flag-worthy, there is no going around this. Precedent has been set. Why are you guys trying to defend people who are trying to defraud others (regardless in what way, even if it something as simple as merits)?
It's not about defending a merit farmer. The wording about "high risk of losing money" is important in this context. I don't see the
high risk of
losing money here.