Self-financing is usually understood as absorbing investors' funds in the name of products and providing financing for one's own company or brother company for debt repayment or other activities. The products bought by investors are fake. Self-insurance means that when investors get income according to the needs of products, the company misappropriates the raised funds to pay the investors' principal and interest.
Summary: Because this money originally belongs to the investor, it is equivalent to using the investor's money to repay the investor's principal and interest, and then misappropriating the investor's money to solve the operational difficulties of the brother company or our own company.