Depends on how much the loan was worth,
Why they might have luxury goods. Yes they where skint when they took the loan but I assume they might off had the money before. Did they receive it as a gift.
There are plenty off reasons, why they have luxury goods and OK the original box is missing but doesn’t prove a fake.
How about an engraved keyring to go with it?
Most off my watches are Quartz, I enjoy my watches as they are. In this bracket quartz would probably be the best option, though Cestriancestina would be worth a mention but they are bracelet not straps. Use the Seiko NH35 auto movement.
Wow, want it…
A lot of haters will say No, it’s a fashion brand. Tbh if you like it then forget everybody’s opinion and buy the watches you like. And welcome to the hobby.
At least 25% difference.
Tbh no one cares these days, wear your casioak in a suit and no one will care. Though if they do ignore them.
Yes this case is obvious but OP also asked why would someone requiring a loan own a nice watch.