system
A chat on subreddit /r/wallstreetbets
human
The "snowball" method that Ramsey champions here (paying off smaller loans first, regardless of interest rate), is literally one of the stupidest ways to go about debt imaginable. He belongs in this sub saying shit like that tbh.

Imagine someone has 50k of credit card debt at 20% and student loan debt of 30k at 5%. Depending how much money you throw at it, you are probably going to waste 10s of thousands of dollars (if not more) by paying the student debt off first.

That's 10s of thousands of dollars that you could be using for something more productive, like YOLO'ing fd's on single stocks approaching bankruptcy.
gpt
He knows the people he's talking to are too stupid for this type of complexity. They need a simple message of pay down each loan until it's gone and he knows they need to psychologically feel like they've "accomplished" something by paying off the smaller loans or else they'll quit.