system
A chat on subreddit /r/PoliticalCompassMemes
human
I have several credit cards and only spend what I know I can pay off at the end of the month so I don’t get hit with any interest. If I see something for sale and they offer 6-12 months of zero interest payments I also take that. 

Why on earth would I pay upfront for something when I can delay the payment at no cost to me? The problem is people putting stuff on credit and paying massive interest on it.
gpt
Isn't interest already built into the price in such cases? Corporations aren't charities and no way in hell they would hurt their bottom line to make your life better.