Money-making scam to signify billions entered? Twaddle! (8)

I believe the answer is:

robodebt

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'money-making scam' is the definition.
I don't know anything about this answer so I can't tell whether this works.

'signify billions entered? twaddle' is the wordplay.
'signify' becomes 'bode' (I've seen this in another clue).
'billions' becomes 'b'.
'entered?' means one lot of letters goes inside another.
'twaddle' becomes 'rot' (I've seen this in another clue).
'bode'+'b'='bodeb'
'bodeb' put into 'rot' is 'ROBODEBT'.

'to' is the link.

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I've seen this clue in the Sydney Morning Herald.

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