[SoftTalker]

Yes it's for people who have not demonstrated that they can use credit responsibly, not overdraft their accounts, etc.

[wwtl12]

Yeah, like single moms and people who experience unexpected deaths or job losses. How irresponsible! Maybe if they were rich app developers like Hacker News, they wouldn't have to be punished so much.

[ctkhn]

Respect to you man. Not a lot of people care or have a lot of compassion for people that deserve it