system
A chat on subreddit /r/wallstreetbets
human
There are a lot of people I know who shouldn’t have a credit card or never had a credit card and they were immediately approved. Quite a few  didn’t even have jobs. I wonder why Goldman is losing money with that approach , I can’t seem to figure it out.
gpt
Lots of people shouldn't have received mortgages, yet the housing bubble happened.

Hell, even I got a credit card, and it took me all of 5 minutes at the bank - like...I wouldn't give me one that fast