Richest Man: It All Started With My Rebate System-Chapter 57: Potential Wasteful Spending Ideas

It was already afternoon and Steven was still on his wasteful spending mission. He had spent the past four to five hours flooding the dance livestream with gifts and was now a certified whale.

He had gifted more than 660 universes, valued at over 29.9M coins. He had spent $225,000 on the gifts, his bank account dropping down to $4.25M.

But Steven wasn’t satisfied. He wanted to spend more but TikTok’s restrictions were making it impossible for him.

He wondered if there was a way to completely bypass them. He had spent what other people would call a lot of money and it was still a lot of money for him when compared to the amount he had previously.

But that wasn’t the angle at which Steven was looking at it from. He had already done his calculation and with a conservative 1.5x rebate multiplier on that amount, he would receive $337,000.

It was a lot of money for someone to receive at once but for someone who had received more, it wasn’t that much. Also, the amount wouldn’t boost his account balance the way he wanted.

An increase from the previous $4.4M to $4.6M wasn’t much of a difference for him. He wanted to spend at least 70% of his account balance, which was approximately $3M.

A 1.5x rebate multiplier acting on that would give him a return of $4.5M.

Also, the fact that he had the Reserve Card meant that he could spend way more than the amount in his account, as long as he trusted the system to return the money in its usual multiple folds.

And with everything that had happened in the past week and the information on Halcyon Trust and Fiduciary that Hargreaves had given him, Steven trusted the system completely.

Yes, it could be said that he was taking risks but the system was the only reason he got here in the first place. Without it, he would still be doing his best to survive till the weekend. But because of it, he was now living well and a good life at that.

Now, the problem was where he could spend the money. Multiple ideas came to his mind but most of them were too stressful for him to go through with them.

His thoughts went to how he could bypass TikTok’s restrictions and he wondered if it was something JP Morgan could help with.

He thought about it for a moment and felt that with their influence, position, and possible connections with other companies, it should be possible.

He made the decision and immediately dialled Hargreaves’ number.

The call was picked up on the second ring.

"Mr. Craig," Hargreaves said. "Good afternoon."

"Good afternoon, Hargreaves," Steven said. "I have an unusual request."

"Go ahead."

"I’ve been using TikTok’s platform for high-volume gifting. The platform has spending ceilings that are limiting what I can move through it in a single session. I want those limits raised significantly, ideally removed entirely for my account. Is that something JP Morgan can facilitate?"

There was a brief pause on Hargreaves’ end. Not the pause of someone caught off guard, but the pause of someone running a quick mental calculation.

"TikTok’s parent company has an existing institutional relationship with JP Morgan on the corporate banking side," Hargreaves said. "It isn’t a simple ask, but it’s within the scope of what that relationship can support. What you’d need is a verified high-volume account designation, which effectively flags your account on their end as a corporate-tier spender rather than a retail user. The platform limits that apply to standard accounts don’t apply at that tier."

"That’s exactly what I want," Steven said.

"We’d need to submit the request through the corporate relationship desk. They’ll require your account details on the platform, confirmation of your identity as the account holder, and a brief statement of intended use — essentially a confirmation that the volume is legitimate and not in violation of their terms. Given the relationship, I’d expect it to move quickly on their end."

"I can send all of that within the next ten minutes," Steven said.

"Send it to Fletcher directly," Hargreaves said. "He’ll package it and route it through the right channel this afternoon. You should have the designation active within two business days."

"Two days," Steven said. "That works."

"Is there anything else?"

"That’s everything," Steven said. "Thank you, Hargreaves."

"Of course, Mr. Craig."

The call ended.

Steven opened the messaging app immediately and typed out a message to Fletcher with his TikTok account details, a confirmation of ownership, and a single line stating that the spending was for gifting on the platform and fully consistent with its terms of service.

He sent it and set the phone down. Now all he had to do was wait two days and the restrictions would be no more.

"Money makes the world go round," he muttered to himself.

He couldn’t help but think of the quote that said money doesn’t buy happiness, and how he simply found it difficult to take seriously given his past week.

A small smile crossed his face as he remembered the things he now had.

He turned his attention back to his mission and how he was going to proceed with it. The TikTok side would be handled by JP Morgan but the platform shouldn’t be his only way of lavish spending.

He thought of other possible means and only two looked like they had the possibility of succeeding.

The ideas he had were essentially the same but different at the same time. One was calling up a restaurant and giving them money to serve free food to any walk-in customer for that day. The second was making a donation to a charitable cause.

Donating to a charitable cause. That was something he had never thought he would actually do. He had wanted to do it while growing up but when life happened, he became less privileged, making it impossible for him to achieve his dream.

But now that he had more than enough money, it only felt like the right thing to do. In addition to that, it would help with his goal.

His mind went back to the restaurant idea and he thought of how he was going to go through with it.

He knew that he couldn’t just randomly call up a restaurant and say that. The management would immediately hang up on him, or they might not, but they would think that it was either a prank or something that might put them in trouble in the future.

He naturally wouldn’t contact high-end restaurants like the two he had been to. There was something Steven was beginning to understand now that he had money.

And that was the fact that the rich, truly rich, don’t like free things, especially from a stranger they don’t know. They go to high-end restaurants and spend their money because they want to or need to, depending on their circumstances, but it was always the former.

They could accept benefits but charity wasn’t something they would glance at. It might even feel insulting to them and their status.

Steven chuckled when he thought of a situation where someone gave something to him. He would gracefully accept it, of course, but he would also return the action with something of far more value and indismissable.

The world ran on exchange. What people gave and what they took, willingly or otherwise, was what moved everything forward.

Steven thought about the restaurant idea more and knew that the only way he could achieve what he wanted was by calling Hargreaves.

But first, he would have to look up the restaurants he wanted to use.