This seems like another passive income scheme. This bank he's investing with seems very fishy if it's allowing people to take out 100k loans and also have negat

This seems like another passive income scheme. This bank he's investing with seems very fishy if it's allowing people to take out 100k loans and also have negative account balances for extended periods of time. That's a lot of risk that a bank would be willing to take on. And the end where he's talking about taking a cruise is very MLM. The whole thing just doesn't make sense to me. Can anyone explain why this makes sense?