system
A chat on subreddit /r/wallstreetbets
human
Payday lending prints profit. Also look and lending clubs. There would not be a industry if it was not profitable.

gpt
Lending club is going down hill fast from what I've heard...I had a buddy do a lot of loans on there and he's trying to shut them all down and escape w his cash he was lending.  Lending club tried everything to keep his money.