this post was submitted on 13 Jul 2025
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If we all did this capitalism would collapse.
Sounds like we should all do this.
"if we all stopped working and just did drugs and hookers the economy would collapse" is not that deep of a thought.
Yeah, but it being a desirable outcome is a bit novel.
Clearly not, because $country did all this shit, and capitalism did not collapse, somehow...this time.
Its all part of the risk calculation that's made by the loan companies that make these credit offers to those deemed to be high credit risk.
Who they really are trying to hook are people who live paycheck to paycheck and keep rotating a balance of old loan balances and newer loan balances because between origination fees, interest, late fees and any other BS fees they decide to tack on they can make absolute bank indefinitely off of folks who struggle with budgeting and are constantly one surprise away from taking on more debt. Alternatively its folks who think in terms of monthly payments and nothing else