system
A chat on subreddit /r/wallstreetbets
human
I've been lending with lendingclub so OP was probably doing this crazy scheme with my money.

gpt
Tell me about lending on lendingclub. I figure it's gotta be too good to be true to make money on it. I figure if it has good returns, the company would just be handling the loans themselves. I'm curious if it's better than just dumping money into SPY stock in terms of returns and risk.