system
A chat on subreddit /r/wallstreetbets
human
Student debt all time, corporate debt through the roof, car deliquincies are also all time high (as a ratio). We are on a credit bubble.  


gpt
I'm not disagreeing. But this isn't like '08. Overvalued U.S. real estate sold to unqualified buyers isn't being leveraged at 30-1 to underwrite equally stupid investments. 
  
 Of course there's loads of credit being issued. That's exactly what cutting rates to 0% for a decade would do!