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They don't necessarily ban you from trains outright but ban you from the comfortable trains (the article mentions high-speed trains).

A lot of these punishments seem targeted at the middle class and business people by forcing them to go down a peg or two if they don't abide by the rules. It's making them lose face, which is something very important in China.

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Not high-speed trains, more like first class seats in the trains. Most of the people in the list refused to pay back debts, even though they got enough assets. If the people are actually too poor to pay, they should not be able to afford the first class seats anyway. That's the logic behind the rules.

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