What the cryptarch is doing is basically saying "welcome to the tower, let's check your crypto-credit...oh sorry guardian, before you died all of your previous accounts are over drawn. This means that for the next FOREVERS, I can only really give completely useless items, and keep in mind your epic item return rate sits at -1%"
Basically he's a credit company ponze scheming d-bag.
Your role as a moderator enables you immediately ban this user from messaging (bypassing the report queue) if you select a punishment.
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