<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>EpicEng</author><text>&amp;gt;By that logic they should ban gift cards and in-game currency too.&lt;p&gt;Except that it doesn&amp;#x27;t because people aren&amp;#x27;t buying $10,000+ in gift cards on the hope that they will increase in value and then defaulting on their CC payments because said gift cards crashed.&lt;p&gt;When trying to solve a problem you have to focus on the actual problem at hand, not philosophical musings.</text><parent_chain><item><author>Someone1234</author><text>By that logic they should ban gift cards and in-game currency too.&lt;p&gt;Sure, you can use your checking account, but if my credit card is going to restrict my usage and I&amp;#x27;m going to be hassled into circumventing it, then why even have it?&lt;p&gt;I actually have a Well Fargo credit card, I&amp;#x27;ll be keeping an close eye on these restrictions.</text></item><item><author>philip1209</author><text>On the surface, this looks bad. But, the underlying logic - that Wells Fargo doesn&amp;#x27;t want to loan you money so that you can buy money - seems reasonable to me. If you have cash in a Wells Fargo checking account, you can still buy cryptocurrency with it.</text></item></parent_chain></comment><story><title>Wells Fargo Bans Cryptocurrency Purchases on Its Credit Cards</title><url>https://www.bloomberg.com/news/articles/2018-06-11/wells-fargo-bans-cryptocurrency-purchases-on-its-credit-cards</url></story>
<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>vkou</author><text>&amp;gt; By that logic they should ban gift cards and in-game currency too.&lt;p&gt;When you buy a $10,000 TV on a credit card, and can&amp;#x27;t make your payments, you&amp;#x27;re an idiot. There are a lot of idiots, but very few of them will do impulse purchases like that - because they understand that next month, they&amp;#x27;ll have to pay for it.&lt;p&gt;When you &lt;i&gt;invest&lt;/i&gt; $10,000 of money that you pulled from a credit card... People feel completely different about that. If you have confidence in your investment, why not borrow money to fund it? You&amp;#x27;ll make that money back, and pay the debt off! If you don&amp;#x27;t have confidence in your investment, you wouldn&amp;#x27;t be investing anyways, with your own dollars, or borrowed ones.&lt;p&gt;Investing self-selects people who are (unreasonably) confident in the return rate on their investments. This is why you can&amp;#x27;t buy stocks or bitcoin on a credit card, but you &lt;i&gt;can&lt;/i&gt; buy Magic: The Gathering cards.</text><parent_chain><item><author>Someone1234</author><text>By that logic they should ban gift cards and in-game currency too.&lt;p&gt;Sure, you can use your checking account, but if my credit card is going to restrict my usage and I&amp;#x27;m going to be hassled into circumventing it, then why even have it?&lt;p&gt;I actually have a Well Fargo credit card, I&amp;#x27;ll be keeping an close eye on these restrictions.</text></item><item><author>philip1209</author><text>On the surface, this looks bad. But, the underlying logic - that Wells Fargo doesn&amp;#x27;t want to loan you money so that you can buy money - seems reasonable to me. If you have cash in a Wells Fargo checking account, you can still buy cryptocurrency with it.</text></item></parent_chain></comment><story><title>Wells Fargo Bans Cryptocurrency Purchases on Its Credit Cards</title><url>https://www.bloomberg.com/news/articles/2018-06-11/wells-fargo-bans-cryptocurrency-purchases-on-its-credit-cards</url></story>