Simplified: If you can borrow 1 Million USD for 0% apr and earn 1000 USD with that, you have 1000 USD in profits. Now change the apr to 5% and you are 49,000 USD in the red.

Never say that phrase in Germany. It WlILL get you into serious trouble.

Fully agree. You can be lazy AF, as long as you get a few key assignments done or overfulfill them. Everybody will be like ‘ooh, he so good’ and forget that you don’t do shit for 95% of the time.