做南非Takealot的吴老板，一款产品上架后卖得动却不赚钱，一算才发现被平台佣金和履约费吃掉了利润。他之前只盯着售价，没算过净边际。

For Ms. Wang, who has a Hong Kong insurance policy, renewing her coverage every year is a real headache: cross-border remittance declarations are a hassle, and claim payments take a long time to arrive. She never realized that the Hong Kong bank card she already has is actually the most convenient way to pay premiums and receive claim payments.

Mr. Li, who trades Hong Kong stocks, was thrilled when he won his first IPO allocation—but his joy lasted only a couple of days before he was left bewildered: he had to pay stamp duty on sales and taxes on dividends. After crunching the numbers, he realized that participating in IPOs isn’t a “sure thing.”

Lao Zhou, a seller on the U.S. marketplace, used to rely on “duty-free” small packages weighing less than $800 to move high volumes, with all his profits coming from the tariff savings on those shipments. In 2026, he discovered that this advantage had completely disappeared, and his cost structure had been completely reshaped.

Sister Zhang, who runs a Meikeduo store, listed a pair of headphones with a design similar to a major brand’s model. Within a couple of days, the listing was taken down and her store received penalty points. She thought it was “just a similarity in appearance,” but the platform ruled it an infringement, and her appeal was denied.