Mark Moss

I see a failure in the banking system, and people are turning to this.

But overall...

It can end up bad.

Brandon, what do you have with this?

But is it the government's job to protect people or are they smart enough to read the paperwork and understand what they're signing?

Well, because if they're not going to get this, they're not going to read the paperwork and they're not going to read the fine print.

That's on them.

And if they don't get it there, the government protects them from getting it.

They'll go to the back alley and they're going to get it from the loan shark and they're going to get their legs broken.

So it's like they're going to take the risk either way.

At least it's disclosed and it's transparent.

And again, it should be on them to be smart enough to understand what they're signing.

They can take that contract and run through ChatGPT today.

I mean, there is no excuse for the ignorance of that.

Half a billion.

I know my wife used to use it all the time, and I never hear her talking about it anymore.

I know a lot of people used it.

And I think what I've heard is the retailers really found out that it wasn't really a way to get good long-term business.

So they were selling all the lost leaders, but then they never recouped the difference of the lost leaders.

So I think the appetite went down from the business owners, and I think that was a big drawdown on that.