13% interest is still predatory in a world where Bitcoin is supposed to free people from debt slavery, not rebrand it.

If you truly believe in Bitcoin, do everything possible not to sell or borrow against it unless you're in an emergency or running a high-conviction, profitable business. Borrowing fiat to go on a trip or buy a car is the same fiat mindset just with new packaging.

Jack has turned into a fiat loan shark. Not to be trusted.