https://techcrunch.com/2021/04/05/blockchain-and-taking-the-politics-out-of-tech/

Brian Brooks grew up on credit. And for him, that’s a good thing.

Brooks is from a small town in Colorado that took a big hit when the steel factory — the main driver of its economy — shut down. A couple of years later, when Brooks was 14, his father passed away, and it became very clear to Brooks that if he wanted “any kind of life,” he’d have to hustle. He got a job and in order to go to college and then law school, he took out six figures worth of student loans at an 8% interest rate.