system
A chat on subreddit /r/wallstreetbets
human
It was more the part about taking a loan out of the 401k and holding it. Just paying high interest for no reason, along with the temptation to blow your 401k away.  
 If it were something like keep it in the 401k in a bond fund. Then in a year transfer it back to an equity fund or loan and buy a house...that would be less crazy.

gpt
Is taking a loan from your 401k not prime plus 1 interest and paid back into your 401k?