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> negligible for any operation over a thousand dollars.

So, useless on a day to day use for any normal person that's not a Silicon Valley tech bro, understood.

The topic was about loans. How often do you need a loan for under 1k dollars?

Extremely often if you're not wealthy? Borrowing money from family to pay for car repairs, from friends for various purchases, from your bank whenever there's even a little thing you hadn't expected and you do not have money aside.

Which is, you know, 90+% of the world

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