system
A chat on subreddit /r/wallstreetbets
human
Wich is due to goverment involvement and fucking everything up. Good ole sally mae and freddy mac to thank for both of them

gpt
Yup, and if there are defaults, the phony cheap credit used to inflate homeprices, which increases the money supply.  
  
 When the loans go bust, the phony credit is destroyed and it causes deflation in prices.