yeah, clickbank has a lot of sketchy offers - which usually lead to high refunds. I promoted salehoo.com for clickbank when I was brand new to affiliate marketing and actually managed to sell some of the $70 products which gives you access to their list of wholesale distributors.
in reality it's just a scam but they spend so much money and time making it look legit and writing tutorials + content that people don't request a refund as often as you'd think.
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