system
A chat on subreddit /r/wallstreetbets
human
Should've still known better.   
    
 Borrowing with a floating rate is a risk most people shouldn't take. It's also not really that hard to run some numbers real quick and see what you can afford at what rate.   
    
 If people are irresponsible enough to screw it up just because interest rates are low right this moment, they're retards and they fucking deserve whatever they get.

gpt
Spot on