Unattributed Remark on Extended 0% APR Offers Noted

Progressives read the unsourced 'insane' label as confirmation that banks are again dangling teaser rates to lure working-class families into revolving debt they cannot repay once the promotion expires. The harm falls hardest on the poor and financially unsophisticated who use 0% offers for necessities—rent, medical bills, car repairs—only to face 25%+ APRs later, while bank elites book fee income and executives collect bonuses. Without a strong CFPB crackdown and usury caps, this cycle extracts wealth from Main Street to Wall Street, undermining domestic stability and the purchasing power of U.S. workers.