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He's probably loaded, which is why he can pay for this (instead of charging back) and why the teen didn't think this was such a big deal.

“Years of savings” being $20k and “loaded” are incompatible.

Really, you think someone is going to blow "years of savings" instead of charging back?

If it means her child would have to go through an awful justice system that wouldn't recognize justice if it hit it in the head otherwise? Yes.

Justice system? He's a teenager in the UK. Absolutely nothing would ever happen to him