Krystal Ball

and get rich off of your doom.

I don't know.

Payday loans.

Remember that one?

Remember, they always defended that.

Can you really defend 80% interest?

That's usury, like no.

Anybody who's broke enough to be falling for something like that, somebody needs to protect you.

You will put yourself, we've looked at the data on this.

The number one cause of divorce in North America is money problems.

One of the main reasons, unfortunately, in this country that people take their own life is money problems.

And you can look consistently over all of these data sets to see the actual effect that bankruptcy has.

Like during 2008 and the recession, the suicide rate in this country went up, right?

It costs real lives.

So yeah, I do think we have a societal thing.

But you're so right about the libertarian point where they sell this dream that, oh, people should just be allowed to do what they want.

And it's like, yes,

In a great world, but like in a corporate world where, like have you ever read those studies about slot machines and how they bleed you?

They can't bleed you immediately.

They have to bleed you over time to give you enough dopamine reward where you will willingly hand your money over to them.