Whichever way you go expect fraud. Perhaps the fraud will be new instruments of finance or laws that do not protect dwellers.
Buying in full in cash is a different matter. What is obvious is that virtually everything is a fraud. The few things that aren't a fraud are accused of being a fraud by other fraudsters.

Balzak said basically, that behind every apparent success is a fraud committed so well as to not be prosecuted.

Religion and Science have aspects of fraud. Look at the visible Universe and what is behind all you see is the invisible fraud of dark matter bending everything to its will.
It is as though fraud is the nature of things, the 'system' is a fraud and is run by fraudsters. We were taught the ideals as kids but they hardly teach those anymore.
The polite simply say "things are not as they seem".

rant number 404ABX