You both are pathetic. Go pay off your debt, dumbass, because it sounds like you're one step away from being one of the people that this complete idiot renewiltord is referring to.
If you don't want to be banned, you're welcome to email hn@ycombinator.com and give us reason to believe that you'll follow the rules in the future. They're here: https://news.ycombinator.com/newsguidelines.html.
But I don't project that unto others.
I definitely periodically fall into these discussions and need to train myself out of them. Thanks for the cycle escape.