system
A chat on subreddit /r/wallstreetbets
human
Well not exactly. If you keep missing your min payment, eventually the card will go into collection and gets sold off as bad debt. Most likely for penny on the dollar. These ppl shouldn't be given a card. 

The folks who rake up a balance and pay minimum each month are technically the best customers.
gpt
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.