system
A chat on subreddit /r/NoStupidQuestions
human
Yeah those subs have lots of humble bragging too.  "I max out my 401k, IRA, and after rent and student loans, I can only save 4500 a month (95k in savings), do I have enough to buy a 70k studio condo?"  "No way, you don't make enough to splurge on something that outrageous, what is wrong with you?" -some personal finance subreddit probably.
gpt
Haha, spot on!