system
A chat on subreddit /r/wallstreetbets
human
&gt;Banks are always willing to hand out money to people (Just look at all the bad mortgages that were brought to light during the housing crisis). 
  
 Don't forget you can always go to payday loan for quick cash! (Seriously, don't do that) 
  
 &gt;If your credit sucks just marry someone who has good credit and finance everything in there name lol 
  
 This is very good advice. You'd have to find a girlfriend first though.

gpt
Or bf