Can I publish a "locked" chapter to try and get into payments? Or is that against the rules somewhere?

I don’t know if it is against the rules or not if I’m honest, but you may get some backlash from readers. If you release the episode with a gem choice and then a locked episode, then some people may feel ripped off for wasting a pass and only having made a gem choice. You will also have to make sure that the gem choice is remembered, given once you edit the episode to unlock it, people will have to then restart that episode.
All in all, it may prove counter productive, and I’m not sure it would be your best chance if it proves to be allowed.
You may have better luck with shoutouts from some members of the community who have begun sharing stories close to breaking the payment wall.

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