Any answer of this

Inflammation. What the bank is doing is offering you all this money, tell you it’s yours when in reality it’s not. It’s their money and so they’re giving you a small percent and making you pay a smaller percentage but you still owe them the rest, you have to pay back all at once so they don’t make you go in debt because once you do they can charge you more for fees and whatnot

Climate change and the human race not doing anything about it