Someone please correct me if i'm wrong here,

I'm pretty certain it's an exploit and not cheating, whereas VPN in cheating. Now, I fully understand players gain more of an advantage from the loan exploit, than they do farming VPN. But with VPN, users are watching ads that someone is paying nordeus to market on its gaming platform. Whereas, with the loan exploit there is no 3rd party, impacting the situation. So, with VPN abuse, companies can indeed suspend business dealings with gaming platforms such as Top Eleven. So, in this case we have the risk of a business cutting off business dealings with another business. However, with the loan exploit, this isn't the case. However, a ban imposed on those abusing the exploit, removes the revenue from users that either support nordeus through watching ads or buying tokens.