bait-and-switch, off-color humor

고객들을 낚는 상술. 

(처음에 싸다고 했는 데 알고보니 비쌈)

(또는 고객이 처음에 광고한 상품을 사려고 가게에 갔는 데 막상 가보니까 그 물건은 없고 다른 상품을 비싸게 사도록 하는 상술)

Bait-and-switch is a form of fraud used in retail sales but also employed in other contexts. First, customers are "baited" by merchants' advertising products or services at a low price, but when customers visit the store, they discover that the advertised goods are not available, or the customers are pressured by sales people to consider similar, but higher priced items ("switching").

It seems to him that many ​brokers have been doing a 

bait-and-switch, ​luring ​customers with ​low ​rates and 

​fees, then ​increasing those ​costs near the ​closing ​date.

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밥맛인 유머(농담) , 개소리하는 유머(농담) 

=> 저속한 내용들을 가지고 유머(농담)을 하기 때문에

Off-color humor (also known as vulgar humor or crude humor) is humor that deals with topics that may be considered to be in poor taste or overly vulgar. Many comedic genres (including jokes, prose, poems, black comedy, blue comedy,insult comedy, cringe comedy and skits) can incorporate vulgar elements.

Most commonly labeled as "off-color" are acts concerned with sex, a particular ethnic group, or gender. Other off-color topics include violence, particularly domestic abuse; excessive swearing or profanity; "toilet humor" / scatological humor;national superiority or inferiority, pedophilic content, and any topics generally considered impolite or indecent. Generally, the point of off-color humor is to induce laughter by evoking a feeling of shock and surprise in the comedian's audience. In this way, off-color humor is related to other forms of postmodern humor, such as the anti-joke.