system
A chat on subreddit /r/wallstreetbets
human
I think your'e probably right.  
  
 Debt is so cancerous. Yet we, as a society, choose to live life on debt.  
  
 If people only bought what they could afford, only the richest would afford cars.

gpt
If people decided to be debt free, it would be a painful decade... but afterwards it would be ok. Banking rules would have to change. And housing would never recover.. prices would crash