The problem is not really the interest rates. These are short-term loans. If your mortgage was a short-term loan your calculated interest rate would be 200-300% because of all the fees.
The problem is that they let people roll over the loans by just paying the fee again, and they turn into long-term loans. They should require some principal payment every time, reduce the fee with each rollover, and strictly limit the number of rollovers.

One class I would recommend is Intro to Coherent Sentences 101.

The most impressive part about this whole story is that ChatGPT was able to figure out what he was saying.

There should be a word for it. Germans would just invent one on the spot. Something like Nachguckfauligkeit.
Maybe... Googulazy ?

Some questionable calls are more important than others. Some would be so important that even a small chance of success would make it worth challenging. Others would need to be nearly certain to succeed to make it a good decision. There's a lot of luck involved in which situations occur.

My credit score is well over 800 and I don't see how I'm exploitable. I haven't paid any CC fees or interest in decades, and have no debt anywhere else. But maybe I'm missing something obvious. Can you explain a bit? (serious question).

So they can add it to enterprise bundles, I'm guessing.

Advertising prescription drugs wasn't permitted until the mid 80's. For comparison, cigarette ads were banned in the early 70s.

Is that you, Area Man?

Until it isn't. Surely you don't think it will never be possible.

I take it you're not a developer. Used properly it's a huge time-saver. It does a lot of the grunt work while I do the thinking and planning and reviewing. I've been programming since 1980. After 44 years without it and 1 with it I wouldn't want to go back.

Until it isn't.

Presumably more. MT's user ID is from the 90s.That's when I signed up.

As usual, porn will drive acceptance. Within a couple of years 80% of porn will be AI. (This might turn out to be a wildly conservative estimate)

A whole crop of "influencers" and porn "stars" will soon be out of the business.

You miss the point. Perhaps your bias is blinding you. You said simply if trump signs a treaty the left won't like it. You didn't care to qualify it - as long as Trump signs it you're on board. I'm guessing you've also said something like "Trump could cure cancer and the left would be against it." Cutting research funding is not a good way to cure cancer.

Trump is a cancer on America. Even if you agree with his policies you should still be against the man.