[aka1234]

It intentionally gamifies financial transactions (see the OP's comment about the colorful confetti that displays when user make trades). The app is designed to provide a dopamine hit when making trades, the only purpose of which is to compel the user to make additional trades.

Robinhood intentionally attempts to make financial transactions fun and desirable to the user. This is to drive more trade volume on their platform. The app is leveraging psychology to make users more active on the platform, which may not necessarily be in the user's longterm financial interest. If your financial app uses the same gamification tricks as a slot machine, that's a problem.

This person was 20 years old -- their brain isn't even fully developed yet. No responsible company would allow a 20-year-olds to dig themselves into a $700,000+ hole. That's a lifetime of debt for all but the highest income earners. Even banks, for all their issues, wouldn't allow that.

Yes, the person was legally an adult and make their own decisions. But no responsible company would facilitate a chain of decisions that would lead to $700,000 in debt. If only for self preservation, because the dead can't pay off that debt to the company.

But hey, Robinhood is playing with fake VC money so whatever... right? What's a couple of bodies when Robinhood is a disruptor and makes complex financial transactions fuuuuuuuuuun. Party on!