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but you’re missing the first step here which is that you *have* to borrow money in the first place in order to be able to do anything... and some of those things don’t include borrowing money.
are we talking about rent etc.? idk seems normal to be suspicious of 18-yr olds with no history of making regular payments, and easy enough to build a history here after finding a co-sign. i agree it’s a problem, but it’s also not literally an episode of black mirror.
