I my eyes the law should be she give back the money and Totem remove every trace of her including giving back the credit to all customers that has her cards and remove it from the there collection. that way it is fair for the girl, Totem and custormers.

This suggestion just makes it worse for everyone involved...

But they [Totem] are the biggest loser in this. They pay the girl but did not get it back and have to give back the credit when ask. It does not look fair to me.

Neither you nor I know whether the girls return any of their fee, nor do we know how much profit has been made on the cards before they are withdrawn. Unless the cards are withdrawn very quickly after being released I suspect that Totem have already made most of the expected lifetime earnings on those cards. If so then being ***** to return the credits to all who have bought the cards will be even more unfair to Totem than things currently are.

She is one of the cutest. The best for her.

At least she is still here with us on Thank You page when buying credits ❤️