system
A chat on subreddit /r/wallstreetbets
human
they know exactly what they're doing.  the founders used to write software for high-frequency trading firms.  there's some sketchy backdoor shit going on at RH, which is how they make their money.  the whole 'oh they make money on interest' is a smokescreen.

gpt
They make table scraps from RH Gold.   
  
 The real money is in your data they sell.  It's been posted before, because RH has to report the transaction.