Everbright Bank recently did something bold

Now about 500,000 middle-aged people owe their bank 11 billion yuan in credit card debt
They are no longer paying back, and then the bank packaged these bad debts and sold them for 594 million yuan, almost at a 0.5 discount.
I'm also quite puzzled, why sell these bad debts at a 0.5 discount to collection companies, but not willing to sell at the same discount to the debtors,
If they can offer such a big discount, who would still be a deadbeat?
After some investigation, it's not just Everbright Bank; other banks handle bad debts the same way.
What's even more frightening is that since there are so many bad debts, the banks are still promoting credit cards. What does this mean?
It shows that the profit margin in lending is ridiculously high. The group that has been honestly repaying has actually already fed the bank, and the profits have long been recovered.
To put it simply, those who repay on time are the real money trees for the bank.
It seems like I might be one of them!!!