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cybird employees at the thought of making more than one darker skinned character per game

I’m catching up to Chapter 4 and one of the NPCs said this.

Then I was like-

Night Raven does not act like a big name university financially. What prestigious university has a rotting building with ghosts from a century ago in it(which really means that’s how long it’s been sitting there decaying until Yuu started inhabiting it). Furthermore, if it was such a prestigious university it could’ve handled one more student in the event of an exchange student or someone like Yuu coming along. Crowley was clearly able to let Kalim enroll on such short notice. Which has made me come to the following: Dire Crowley is a con artist who’s stealing money from the school for his own pleasure.

First off: So far there are at least five families who are rich who’s kids go to Night Raven( Schoenit, Draconia, Asim, Shroud, Kingscholar), and the Asim family paid for Kalim’s way into school. Not only that but Crowley gets 10% of the Monstro Lounge’s profits. There should be no reason as to why Ramshackle wasn’t fixed before Yuu got here. Which leads me to believe that Crowley is taking all the money the school gets, and putting it into his pockets. An example would be during Chapter 4, when Crowley goes on a vacation. A vacation that he really shouldn’t have been able to afford, when you think about the school’s financial situation.

Which leads me to an answer as to how Crowley is getting extra money aside from the donors. Crowley is consistently coming Hard Insurance Fraud. How do I know you ask? It’s easy, the answer right under our noses. The overblots are Crowley’s way of committing insurance fraud.

In the Heartslabyul chapter, Crowley was standing directly in front of Riddle as he was dangerously close to overblotting and even suggested the idea of a duel which further progressed the overblot. Crowley did nothing to stop Riddle when he could’ve done anything. Of course, the overblot damaged some of the school property. This leads me to believe Crowley is purposefully letting students overblot so he can claim property insurance money, and use it for himself.

Of course, there’s no proof of said property damage of someone from the insurance company wanted to visit, because it’s usually fixed by magic so no one can tell whether or not the insurance money was used to fix the damage.

Another instance of possible insurance fraud was when Savanaclaw was injuring people to take them out of the competition. Most of these injuries were mild to serious and probably required a trip to the hospital at least. It wasn’t until a Heartslabyul student was pushed down the stairs by Ruggie (something that can be deadly in an instant) that Crowley intervened and asked Grim and Yuu to investigate. Sure, Crowley could take a couple of broken legs and sprained ankles, but someone accidentally dying from a push down the stairs or getting stomped to death by a stampede of people was too far.

In conclusion, Crowley let people get injured during Book 2 so he can claim the insurance checks from their injuries. Assuming the student’s families don’t use their own insurance policies when their students are living their for the year.