Reborn in America, I'm serious about making money.

"Ah, run! They have guns! Get out of here, Wang Defa!"

These are bank employees who came to collect the house, but the family refused to let them take it and even pulled out weapons.

This is a large residential complex located in the suburbs of Los Angeles, California. It has more than sixty apartment buildings. The bank representatives came to take possession of the apartments because the owners owed mortgages and had not made payments.

Since the interest rate hike began on June 30, 2004, rising from 1.00% to 1.25%, it has been raised fifteen times in a row, reaching 5.00% on May 10, 2006, from 4.75%. This has caused immense hardship for those who took out mortgages, especially those at the bottom of society who simply did not have enough money to repay their mortgages.

On the other hand, houses are hard to sell, the whole society and economy have stagnated, people's income has plummeted, and with fifteen interest rate hikes, they can't afford to repay their loans. So what can they do?

They have no choice but to stop paying. The elite are a bit better off, but the lower classes just won't pay. The bank comes to foreclose? Sure, they can take away all the houses of us who are in debt.

This apartment complex is full of Latinos and African Americans, who can be said to be at the bottom of society. At first, it was okay, there weren't many people, but over time, more and more people came. With more people, more problems arose, and those people were not law-abiding citizens.

There are more than 60 apartment buildings here, each with 168 units, housing more than 10,000 households and a total of 300,000 to 500,000 people. These people are very united because they are united by their interests.

The place that was originally meant to accommodate 30,000 to 50,000 people was illegally divided into many single rooms, increasing the living area tenfold. Moreover, many people slept in the stairwells, on the stairs, or in the corridors on the first floor, and even in open spaces where tents were set up.

When Stephen Realty built this apartment building, it was a U-shaped tower, and the quality was impeccable. It was so sturdy that it could withstand an earthquake of magnitude 8. It was truly a high-quality building.

This area is now a haven for drug dealers, smokers, prostitutes, and criminals; it's become one of the most troublesome places in California. It also has a nickname in Los Angeles: Sin City.

Those few people who came to take possession of their properties were relatively lucky. Another group of people who came to take possession of their properties disappeared and have not been found to this day. The bank and their families have reported them to the police. The police came, but they didn't find anything. This community is too big; they'll have to demolish it.

If anyone knows about Hong Kong in the 1980s and 90s, they will find that this place is very similar to a place in Hong Kong, namely Kowloon Walled City.

That place was a lawless zone, a lawless place.

Zhang San, however, created a lawless place in California, a North American version of Kowloon Walled City. If people knew this, they would definitely say that Zhang San understands Hong Kong.

There are eight more places like this; he built these places around Los Angeles.

He actually meant well. By bringing these criminals together and having them live in one place, wouldn't there be fewer people in the city or other areas? Wouldn't that lower the crime rate and improve public security?

As for what might happen in these settlements, that's not Zhang San's business. He's just a house builder; the Federation takes care of everything else.

"These eight places must never be visited. I don't know when it started, but they have become a paradise for criminals and villains. This is a product of free America. I've heard that dark things often happen there. It's beyond chaotic."

Zhang San introduced these eight places to Fang Xiaobing, Gao Yuanyuan, and Wang Shengyi.

He then talked about some things that happened here, explaining that at the University of Southern California, a group of young people went in, eight students went in, and none of them came out. He heard that only one female student survived, but Zhang San said he didn't know the specifics.

This matter was also intentionally or unintentionally spread to the mainland by Zhang San, warning those students studying abroad not to venture into these dangerous places. As for whether they listened or not, he didn't care. However, those who were able to study abroad later all came from families with good financial conditions.

"Hey, these eight places all seem to be apartment complexes you built. Aren't you going to do anything about them?"

"Oh, I didn't build that. That construction company went bankrupt, and the person in charge disappeared. What does it have to do with me?"

Zhang San is a capitalist; he accepts everything he does legally. As for the illegal things, those are done by others, what does it have to do with him?

This is America. Stephen Real Estate Company has been out of business lately and is preparing to enter bankruptcy proceedings.

"Sigh, I might go bankrupt again, haha... At this rate, should I run for president of America too?"

He was in the real estate business, then went bankrupt, and then... This is very similar to the experience of a certain comrade who was founded on the country. The other party's experience is exactly the same as Zhang San's experience.

Since it's the same, shouldn't we run for president? It would be a shame not to run... He's not old enough, and they probably won't vote for him, but his descendants might have a chance.

Zhang San's idea was appealing, but others weren't; the banks also realized there was a problem and began to revise their interest rate strategies, starting to consider lowering rates...

The reason was that more and more people were defaulting on their loans. The Federal Reserve may have realized this and started to lower interest rates, from 5.25% to 4.75% starting on September 18, 2007.

September 18th was a painful day for mainland China, and Zhang San remembered it vividly. While Zhang Zongyi was traveling in the southwest, Zhang San asked Amy, "Have they taken over those contracts sold to the island nation?"

"They accepted the total of three billion US dollars."

"Okay, then there's nothing else."

This $3 billion contract is no ordinary contract; it's a form of insurance. If they default, they'll have to pay not just $3 billion, but $30 billion. These worthless contracts are a kind of guarantee, and a leveraged one at that.

Back in the island nation, it wasn't just Zhang San selling to them; other Wall Street colleagues were doing the same thing, doing their best to sell off their contracts. They had also realized the impending crisis.

Zhang San didn't sell the most of these contracts, and he wasn't short of money. He was helping his Wall Street colleagues mitigate risks through this contract; it was just a collaboration.

When it comes to wealthy island nations, he has always sided with Wall Street; everyone makes money from these wealthy island nations together, isn't that a win-win situation? As for other things, those are not his business, they are Wall Street's business. If the sky falls, Wall Street will hold it up.