In the past the law did not regulate RCAs in any way, and most people who have not participated in them think that it is probably only people in the countryside or with no education who take part in this type of "underground financial activity," which lacks any legal guarantee.
過去法律對於合會沒有任何規定，一般沒有參加過會的人總以為，這種沒有法律保障的「地下金融活動」，大概只有鄉下地方、沒受過什麼教育的人才「玩」的吧？