The story is about a global scam that uses instant loan apps to entrap and humiliate people across India and other countries in Asia, Africa, and Latin America. The scam involves harvesting borrowers' contacts, photos, and ID cards, and then using that information to extort them into repayment. When borrowers don't repay on time, or even when they do, scammers share this information with a call center where agents are trained to harass and humiliate them. The scam is particularly devastating in India, where at least 60 people have killed themselves after being abused and threatened.