I hit a lot of American sites that want to process my data in a malicious way that would be illegal.

Rather than fix the issue, the side just redicts to a “we’re sorry to our European friends” - like fuck off, it’s been years you cunts.

Anyway, to answer your question - it protects them from legal liability.

If it’s always $350 a month, just let the debt ride.

Over 6 years, $350 in year 1 is worth more than $350 in year 6 thanks to inflation (350$ in 2017 would be able to buy you $435 worth of goods or services today). If you have $12.5k sitting around - Invest that into something stable, collect the interest and just keep paying off the loan slowly because that’s the cheapest way to do it (unless we end up with negative inflation in the next 3 years - which seems unlikely, but who knows??)

Cars tend to be financial liabilities, depreciation on a new car is just tremendous - next time just get a beater with working AC for as little as possible, do your maintenance and run it into the ground.

The team that invented blue LEDs won a nobel prize.

Now every fucking item in my room has a beacon that would put the eye of fucking Sauron to shame.

100% agree with you, and have started destroying LEDs where possible.

Python is what is being taught in schools these days.