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Scammers across Southeast Asia have already said this:
For ordinary people, the lifetime savings ceiling is 300,000. That figure has been calculated by telecom-fraud operators through data analysis.
As for Japan’s tourism visa, the savings threshold is 100,000; for the China Merchants Bank Golden Sunflower tier, the savings threshold is 500,000. There’s been far too much online hype—people really don’t treat money like money.
Let me put it this way: under the law, one life is valued at 1.05 million. Most of the people who run into accidental incidents still can’t cover 1.05 million, because that amount is capped. So those who say “1 million isn’t much” truly have no sense of what money is like.