system
A chat on subreddit /r/wallstreetbets
human
Fraud is my bet. Crims setting up stolen ID's with lines of credit, then when the real person initates an investigation, ultimately it's the credit provider who failed in their due diligence so gets left holding the bag.
gpt
I doubt it’s fraud.  Goldman likely PAYS APPLE to use their name in hopes they make it back in transaction fees.