text: 'Yaar, mujhe toh lagta hai ki agar hum khud in schemes ka use karte hain, toh sab kuch badal sakta hai. Hum sabko milkar yeh samajhna hoga ki kya zaroori hai.''Main kabhi kabhi sochta hoon, kya in schemes ka long-term impact hoga ya nahi? Agar hum isme invested rahenge, toh humari financial stability kaise hogi?'