system
A chat on subreddit /r/wallstreetbets
human
Sure, but that doesn't mean he'll 'be doomed to a life of payday loans and never-ending interest payments', right?  
  
 I mean, couldn't he just go bankrupt, have a debit card instead of a credit card for 7 years, live in an apartment and after those 7 years get a credit card and start over?  
  
 Maybe I'm wrong, but his situation doesn't actually seem that dire and impossible to pull himself out of. He's a fucking idiot though, that's for sure.

gpt
When you're deep in the hole, it's even hard to pull yourself out. I mean, sure, he could buckle down and tough it out and start over, but likely he'll develop bad habits and living cheque to cheque for a much longer time than just 7 years.  
  
 But who knows, maybe he will bounce back. And agreed, he's an idiot.