system
A chat on subreddit /r/wallstreetbets
human
It's only 5 grand now... but you realize that borrowing money to gamble on options is extremely high risk... Take it from me, gambling addiction usually starts small with manageable amounts of money, but you'll surprise yourself how quickly it gets out of hand. Good luck!

gpt
He only needs a $10K loan next time to cover this AND make his money back.