I’m not one to take the moral high ground, and I generally prefer the responsibility to be with the person, not the company… But… I hate this.
With people seemingly looking to “gamify” things in their life, I can see a lot of people looking to “complete” their Pot Goal by taking out a loan (at a bad APR rate).
I just don’t think it’s needed? Not for a Pot Goal surely?
This is where a short term loan can come in useful - But that implies your Pots (and associated goals) are for specific purposes where you actually NEED the money - Rather than using Pots to ring fence a rainy day fund, or simply removing the money from your main account.
But even still… I just don’t like the idea that people will end up taking a loan out to “complete” their Pot Goal quicker…
If people need the money, the loan option is there for all to see without it being an advert within your Pot.