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It's more like these "tour operators" do fake bancrupcies to get rid of old debts, let insurance companies pay it, it's good time to do this now. They are likely to restart their business as new entities with clean files.
The sanctions don't do shit atm as far as I can see, they are too weak. They probably could slowly suffocate nation economy and business, but the process is going to be very slow and it will give RU enough time to diversify its' economy turning to China and other asian countries. What EU could do is to stop buying gas and petrol altogether, this will kill the economy of RU instantly. But EU won't do this as they are too big wussies, they afraid of backfire from their own electorate. When they gather themselves up and do this, in a few years, it might be too late as everything will be diversified enough. There are no leaders now like Maggie and Ronald, hehe.
And yes, it's extremely easy to get Schengen visa without an tour operator. Even for officially unemployed as I am. Usually it takes 3-4 days, and could be done via mail. I can't imagine it could be made easier but issuing the visa right in the airport.
About 125 euro/day and low minimum wage - signifficant part of RU economy is black, where cash rules. Most of the wages are not declared to authorities and paid in cash, even big businesses do this. I'd say for every taxed 'white' rouble there are three black ones. And difference between poor and rich is very big here, those who are rich, well, not rich but just more or less well off, can easily spend more than average european, as they pays much less taxes on their income.
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