Pay wall.

I immediately thought mental illness.

And the people who are losing their mind due to lack of money lose again.

It would be nice to have a system where you can avoid getting put on the credit bureaus at all.

Be your own bank? No agreement to have your credit monitored by those toads.

How do they meet other people online now? Those platforms aren't really conductive to creating new friendships. It seems like you'd already need most of that somewhere else. Where are they getting it?

As far as I can tell, Discord.