Why is the fintech mogul and Capital One cofounder Nigel Morris running a "social good" credit card that can't even record payments on time? Why does Credit Karma aggressively endorse them? Just another day in America.

All this started in YC12 with LendUp and Sasha Orloff. Anu Shultes, Shane Holdaway, QED Investors, Frank Rotman (@fintechjunkie), and Puzzle Financial are all involved.