ok I could explain ,I think it's best from a person who has gone down this path to say , I would never do it again.
Short answer, Give me 5k and Ill give yah a good kick in the nuts , 3 months later when everyone has robbed ya and kick you / Ill buy you a beer and say sorry for kicking you in the nuts and you will thank me.
Im sure you will know better and go around in a bigger circle like the thousand before you and end up getting kick in the nuts and have no beer.