system
A chat on subreddit /r/wallstreetbets
human
Because blowing up a loan on your 401k doesn't ruin your credit, you pay a 10% early withdrawl penalty and some more income tax.

gpt
You can rebuild your credit faster than your 401k.  BKs drop off your credit report in 7-10 years.  And creditors can't come after assets in your 401k.  Even if you don't declare BK and just let collections come after you, you can at least settle with them for pennies on the dollar at some point.