Could it actually be intentional? Lately, I’ve been thinking more and more that banks are interested in giving out as many loans as possible. But I don’t know, I can’t really prove it, and I haven’t specifically researched this topic. In general, I’m also all for understanding a bank’s product in detail before starting to use it. That’s exactly what I did with Roarbank, where I first studied roar bank charges and fees, looked at how it works, what the pros and cons are, what is convenient and what is not, and all that. And only then I decided whether the card was right for me or not. There’s no need to rush into things like this.