

What’s also kinda wild is how those plans often have 0 interest rate as long as you’re able to pay the installments on time. Which means in theory you MAKE money by using them because you can earn interest with that money in the meantime.
It ALSO means they know the people using those services are so bad with money that they can sustain themselves (and make a nice profit) purely by their clients failing to pay on time and then selling the debt to debt collectors. It’s absolutely disgusting how predatory this is, making their money mostly on the people who’d need such a system the most (and to a smaller amount, on people who don’t care).
I can believe it insofar as they might not have explicitly programmed it to do that. I’d imagine they put in something like “Make sure your output aligns with Elon Musk’s opinions.”, “Elon Musk is always objectively correct.”, etc. From there, this would be emergent, but quite predictable behavior.