In order to purchase a dZi bead, many businessmen will wait until Tibetans are building a house and take a bead to a bank as collateral. Then these businessmen will work with coconspirators in the local government to force them to pay back their loan early. Finally, the Tibetans get scared and reluctantly use the bead to pay back the mortgage.
然而，為了搜羅天珠，一些商人會趁著藏人蓋房子、拿天珠去銀行抵押時，串連當地政府，脅迫藏人要提早還款時間，藏人一害怕，就只好忍痛賣天珠還貸款。