Millennials were peak generation for self-taught tech literacy. We were raised in an environment where the technology was simple and open enough to actually be configurable, all while the prize on the other side of figuring out the technology was rewarding.

The older generations didn’t have as strong of a reward for figuring out the tech. And the younger generations have too steep a learning curve to get around things, so they never even learned to try, like the “baby elephant syndrome” phenomenon.

And then they can enhance that business by turning around getting pedophiles to subscribe and pay for in game credits so that they can interact with a bunch of undersupervised children.

With fees capped at 14% and interest capped at 35% APR, a doubling could still be legal if they have 2 years to repay, especially with frequent compounding.

Not that children have the patience to wait 2 years for a return on their investment, though.