system
A chat on subreddit /r/wallstreetbets
human
They're academically astute but financially illiterate. Alot get seduced by the keeping up circle jerk, more just trust their $$$ with con man.  
  
 I know a doctor who got fleeced for 200k in a real estate deal.  Another who bought a $1M house when they didn't need the extra space.

gpt
a 1m house is not that insane in a lot of the country dogsie