They don't "hack the system"; they **** you!

If you click on Kiwi.com, you are already in trouble. Stay away! Even the name is misleading. The company is not based in New Zealand as the name would suggest, but in Brno, Czechia. I only received 12,9% of my costs back after I had to cancel the flights (only the tax was refunded). If you look at reviews, there is concensus among travellers, that Kiwi.com has poor customer service, strict refund policies (they often follow their own refund rules rather than airline policies), they have hidden fees and restrictions and self-transfer risks. Booking directly with airlines is often safer.