I've found I just loan time from tomorrow's morning if I stay up late working on something. If you're in a good flow, it could be worth it. Other than that, you're likely to be underwater on the loan.
Between using Bing and now OpenAI, is DuckDuckGo just a middle man for using Microsoft products? I wish they would use their capital and resources to build a novel product. It seems their main selling point is they have my payment information instead of Microsoft.
If they are that competent then it implies they let October 7th and September 11th happen. My know-nothing take is that given the funds, lack of morals, and government support they can pull off some actions that benefit them, but let’s not act like it is more than it is.