I left Reddit because the algorithm really wanted me to be angry and afraid.

The world is a shitty enough place. I don’t need the advertisers stressing me out even more.

We have to remember that the people making these decisions have no idea what life is like for a poor person. The kinds of payments that would ruin my life and yours are nothing to them.

So, they think we have the ability to afford these payments because they’re damned fools. They don’t expect mass defaults.

I think they’re wrong about that.