system
A chat on /r/wallstreetbets
human
Work in finance. Average people can be this stupid. Even goes for upper class / wealthy individuals signing contracts with 300 page prospectuses explaining everything in minute detail.  
  
 There are no limits to stupid.

gpt
everything is a 300 page prospectus these days, filled with unenforceable garbage.. google, itunes, amazon, etc.. they're just desensitized