system
A chat on subreddit /r/wallstreetbets
human
It's such a perversion of the term credit to begin with.  It's really a debt economy.  The original concept of borrowing on credit wasn't supposed to be a form of currency.  Just a way for two parties with an established rapport and good standing business relationship to leverage each other.

gpt
It can easily be corrected by making shareholders liablie for the debt of a business like they used to be. What is perverse is that someone can part own a business and gain from the profits, but have zero liability for the state of management or any debts it accrues.