system
A chat on subreddit /r/wallstreetbets
human
Why wouldn't the recession be multiple years? Congress, the White House, and the financial industry are doing everything they possibly can to replicate the conditions leading up to the Great Recession.

gpt
It doesn't help me to speculate that, I'm no where close to retirement and if 3% is the most I can hope for in the next half decade or so, I am probably going to have more concerns than maximizing my returns. 
  
 If you are a decade or so away from retirement, sure take the 3%. 
  
 If I thought our country was on the verge of collapsing I'd just buy gold. Why would I buy government bonds?