so, how does insurance fraud work?

I took banker, but every time I use insurance fraud, I seem to lose money. I think I'm doing this wrong. Help?

 

Insurance Fraud has a zorkmid cost; that's not a bug.

 

It's also currently bugged in that you can abuse Zombyfycation from fleshcrafting and/or a bony wand to cast insurance fraud infinitely on the same Zomby time after time i.e. it works on your summon and works again if you kill and revive it. Infinite Gold. This will be fixed later this week or the next.

 

I know it costs money, but isn't it also used to gain money? Now I just keep getting debuffs; I am supposed to cast it on a monster and then kill it, correct?

 

You cast it on monsters or yourself, and you gain money when they lose health.

 

You need to use "Dump Toxic Assets" to get rid of the negative zork debuffs.

Basically the way the tree works is:

1. Cast Insurance Fraud or High Interest Loan
2. If any negative debuffs show up, cast Dump Toxic Assets ASAP.
3. Keep casting Loan until your Insurance Fraud breaks, then redo it, etc

The way I do it is I will cast Loan right before I open a door. That way if there's monsters on the side I can just dump on them.