You are missing what the Chinese oligarchs are doing. They are laundering their Chinese dollars. The ruling elite receive upwards of 80% of China’s GDP. The CCP is a kleptocracy on steroids. They are currency manipulators. They make substantial loans in the billions then they foreclose, taking the property of there borrower.
indeed, plus they buy up thousands and thousands of USA houses directly, causing much of the homelessness due to unaffordability of shelter for American citizens