system
A chat on subreddit /r/wallstreetbets
human
He can. As I said above, there are some things you need a credit card for.

gpt
Sure, but that doesn't mean he'll 'be doomed to a life of payday loans and never-ending interest payments', right?  
  
 I mean, couldn't he just go bankrupt, have a debit card instead of a credit card for 7 years, live in an apartment and after those 7 years get a credit card and start over?  
  
 Maybe I'm wrong, but his situation doesn't actually seem that dire and impossible to pull himself out of. He's a fucking idiot though, that's for sure.