system
A chat on subreddit /r/wallstreetbets
human
Is this really a thing? Keeping the stuff they bought?
gpt
That's why interest rates are so high compared to a loan backed by a home or, to a lesser degree, a car. You need to keep in mind most people who get into credit card debt buy goods at a premium that have half or less of their value the second it leaves the store.

Don't get too excited and buy a bunch of gold with the idea you're going to not pay. Just being excluded from accessing credit (particularly post economic crash) will screw a smart consumer much more than any credit limit they could access.  People who got foreclosed on in 2009-10 had that on their record for 7 years. Between them and 2017 a lot of appreciation took place. It's a good way to be a perennial wage slave.