A 24-year-old caller wanted a simple answer to a costly question: pay off roughly $30,000 (£22,500) in gambling debt, or wipe it out in bankruptcy court. He had already put the dilemma to ChatGPT, which told him to file.
When he brought the same question to The Ramsey Show, the hosts refused to give him the exit he was looking for.
The caller, who gave his name as Philip, said he had built the balance across credit cards, personal loans, and accounts now sitting in collections, and was living from one paycheque to the next. The cause was not a lost job or a medical bill. ‘I started gambling last year,’ he said. He had won early, then lost steadily, and had placed his most recent bet two days before ringing in.
Pressed on whether he had…