system
A chat on subreddit /r/PoliticalCompassMemes
human
If it's a unrealised gain. How can you get a loan on it?

Once you can use it in this way, it is a realised gain, and it's currently how most rich people get to use their stock money without paying taxes on it.
gpt
A loan is not an “unrealized gain”

Imagine paying taxes on the credit card that you were approved for 😂