system
A chat on subreddit /r/wallstreetbets
human
The biggest banks and those that they lend to are the ones that benefit the most I would assume

gpt
Those that they lend to = almost everyone 
  
 Repo round 1 from September fucked up because the hedge funds bought most of the repos as cheap leverage for literal YOLO FDs. Most never really went to typical banking, it went into the banks then immediately sold to hedge funds who were probably the first to call