system
A chat on subreddit /r/wallstreetbets
human
They do pay it back, delinquency is under 1%. They borrow it for their living, if your life depended on it you would want to pay it back. 
  
 If they don't pay it back = no livelihood AND look like a bitch to the community.

gpt
So you're telling banglediesh(ya whatever spelling) are better at paying back loans than, US homeowners, student loan defaults and basically anyone else with access to internet in the US? Sign me up