Calling the bubble

Bank of America actually offered me $20,000 at 0% interest on my credit card that I was able to invest at 5.5% in an online savings account. I think I made maybe $800 dollars for doing nothing, for no risk. The puritan in me felt a little bit bad about doing it, because I was literally doing no work for the money. On the other hand, the Bank of America people were big boys and girls and no one forced them to lend me $20k. But when the proverbial free lunch actually appears (read: the world has gone insane), apparently shit's about to get fucked up.