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> These kinds of comparisons depend on jargon like “APR” and numbers with multiple asterisks.

Knowing what APR stands for is pretty basic stuff. The author admits a few sentences later that she had to Google it. Are they patronizing their readers, or is she really that ignorant of how loans work?

Most people don't understand how compound interest works or that APR isn't actually simple interest, but compound interest calculated monthly or in some other way along with secret fees.
Yes most peaple are ignorant about basic finance. That is where 'cheap and fast' loans companies get their money from
> "Silicon Valley’s as successful as it is because we’re constantly blowing up whatever came before us, ripping it all down and building it back from scratch.”

s/"Silicon Valley"/"Wall Street"/