system
A chat on subreddit /r/wallstreetbets
human
Goldman thought they were attracting all of those best customers. People not the greatest with money, but motivated consumers that love to spend more than they should. Aka will buy brand new things with apple logos. 

Instead they got people who think credit cards are free money that you can ignore.
gpt
Credit cards are free money that you can ignore. “Ahh these pills dude”