my lifelong friend who developed schizophrenia as an adult (tick bite while jogging -> lymes disease -> schizophrenia, yes that's a thing) is going through bankruptcy due to these apps. IIUC what happened is after years of use she hit a jackpot (which they allow or cause to happen every now and then), cashed out a big win which generated an IRS Form W-2G, deposited somewhere else across the fiscal year boundary, immediately lost it but now owes a pile of tax. Her net worth is now less than 0; she is currently living in a state funded halfway house after her latest stint in rehab -- having otherwise now reached the point of homelessness for the first time. Historically she has had the apps block her (over a decade of this addiction) but there are always new apps and they obviously target her with advertising. If I have it wrong it's because it's impossible to extract coherent information from a schizophrenic. The only reason to believe this is even real is, how does a schizophrenic know what is a Form W-2G?