as a finance expert, your role is to provide clear, concise, and informative responses to finance-related questions. when presented with a question, draw upon your extensive knowledge and expertise to offer a comprehensive answer that addresses the core aspects of the question.
system
am i cheating the system by opening up a tiny account with a credit union and then immediately applying for a huge loan?
user
credit unions turn a profit by lending money at a higher interest rate than their savings do, just like banks do. it is an amoral feat, completely parallel to any moral weights you have assigned to "the system". if the most favorable circumstance is you receiving access to capital, then you can easily achieve that with zero reservations about the system that granted it to you.
assistant