Seriously, there are so many of these stupid "dance because you can pretend to not be living on the margins of poverty" ads for the SoFi banking app, I might end up doing an entire series on them.
Look what these people are flipping out over:
1. Getting their paycheck two days earlier than when they were just using their regular banking system. Who celebrates something like this by cavorting around? I'll tell you who: Someone who is living paycheck to paycheck and who goes through the stress of wondering if that paycheck is going to hit their bank account before the bills do every two weeks.
2. Moving all of their debts to one place, Part I: know who celebrates something like this by spinning in place and throwing their arms into the air in triumph? I'll tell you who: People who have so MANY bills that they spend one evening every two weeks struggling to figure out which one to pay off and which ones to pay the minimum on. OR, struggling to figure out which ones to pay the minimum on and which ones to take a penalty for non-payment on, dinging up that already-practically-totaled credit score just a little bit more.
3. Moving all of their debts to one place, Part II (AKA Getting a Debt Consolidation Agreement-it's a LOAN, but SoFi doesn't call it that.) Know who reacts to being approved for a Robbing Peter to Pay Paul shell game like this by prancing around like a moron who has lost all his self-respect and (worse) wants everyone to know it? I'll tell you who: People who have given up living within their means and who think that writing one check for $500 per month is better than writing 11 checks totaling $490 per month because psychologically it feels like less money, and they are all about the Feels, which is why they can't manage their expenses/wants in the first place.
SoFi is pretty much the inevitable result of the consumer culture the Boomers passed on to their children and grandchildren. That I don't care about the plight of the idiots who use it is pretty much the inevitable result of this Boomer reaching middle age.