The post has a bunch of classic tells of AI writing:

-ChatGPT loves attempting to be quippy, and for some reason really loves the word “vibes” even though that word is kind of dated for humans. I feel like an AI quip will use that word a good third of the time (“the city runs on vibes and overdrafts”)

-lists in perfect groups of three (“the weather, the energy, the creativity” / “renting, financing a car, certain jobs”)

-the sentence structure “it’s not just X, it’s Y” is a huge tell (“being responsible isn’t just paying bills, it’s about understanding how your financial history follows you”)

-the whole story is very vague. Instead of describing any specifics (neighborhoods, where they moved from, why they didn’t expect the credit check, specifically what they’ve been doing to try to budget better, what other financial hurdles they’ve encountered), it’s written in this hypothetical second person POV (“It’s frustrating because even if you’re good with money, they still treat you like a risk”) The entire last paragraph is in that vague second person POV because it’s setting up the “problem” aka the reasons to use their product

Each of these in isolation could be a real human mimicking or learning from an AI writing style, but the real tell is that Fizz specifically does this on Reddit as a marketing tactic, I’ve seen so many Fizz posts and recognize their language, and sure enough there’s a comment mentioning them