In order to buy IBIT I had to pass an IBKR knowledge check which involved around warrants, turbo warrants, leveraged ETFs tracking the VIX and so on.

I passed, but I thought it's ridiculous.
First of all, who trades this shit? Sounds like a good way to lose everything.
Secondly, why do I need to know this crap to buy and hold a BTC ETF?

One of the questions involved ETNs and I found out there are people who buy indexes through essentially unsecured bank debt instead of just buying a low cost ETF that actually holds the underlying. What the fuck. Must be old people.

With car sales slowing down, some automakers here are offering very low interest finance.

For example Citroen does 0% on all their cars and Ford does 1% interest on their smallest car, 3% on the others. I imagine more will follow soon.

Is it always a mistake to finance a car even when the interest rate is 0%? I have never been in debt before.
Is it a mistake to commit to a car when the carmakers are this desperate? Isn't it a sign that prices are about to aggressively correct?

I think I could beat 3% interest with my money invested instead. But I don't like the idea of debt.

I was told we are in a bubble

I clicked one too many YouTube videos and now my feed is full of "buy THIS stock to gain 4,000% by 2027"