system
A chat on subreddit /r/wallstreetbets
human
I keep getting zero collateral $40,000 loan offers in the mail from all the big banks every week.  You're telling me it's my fault they're giving the money out for free with the same interest rate as my first credit card?  They know they aren't getting it back, same as me.

gpt
If they pray and hope hard enough, you might make the first loan payment back