system
A chat on subreddit /r/wallstreetbets
human
What risk? Terms are set. Car gets totaled? That’s why I have insurance. I’m gonna carry the same insurance as I would on the $15k car you suggest I buy cash.
gpt
The risk is your income stopping for a reason, what happens if you get sick and can’t work. Now you have to pay the bank. What happens if you lose your job. With inflation going up and your income is flat your needs will slowly dry out your cash flow.

Like I said everything sounds great on paper until life kicks you in the ass