How Do Indian Telegram Sellers Offer Premium OTT & AI Accounts at Dirt-Cheap Prices?

I'm curious about the business model behind Indian Telegram sellers offering premium OTT subscriptions, paid apps, and AI accounts at prices far below the official rates. How do they source these accounts? Are they using regional pricing, family plans, promotional offers, bulk purchases, compromised accounts, or something else? Also, how do many of these sellers seem to operate with multiple UPI IDs, bank accounts, WhatsApp numbers, and Telegram accounts? I'm interested in understanding the ecosystem and economics behind it—not looking to buy or participate.