system
A chat on subreddit /r/NoStupidQuestions
human
Probably. The debt ceiling doesn't really even need to exist.
gpt
It's a fantastically stupid concept.

Congress: we order that $X billion be spent on the following projects. It's law. Do it!

[Money is spent, projects are underway. Money gets close to running out part way through the fiscal year.] 

Congress: we demand that you halt the projects we ordered you to do unless we vote to pay for the stuff we already ordered and which is already underway!

There's a reason almost no other country does it this way.