2016: “We don’t need to change! Look at our opponent, Trump!”
2020: “We’ll pretend to be M4A. But the main thing is beating Trump! Worry about change later!”
2024: “We lost, but we did everything right. Americans are the problem. Anyways, Trump is in his last term, so why change?”
Might be my background - lived half my life in a country where credit cards are interest-free for religious purposes - but 10% still seems insane.