The idea is that you were “given” that money when you got the loan and you weren’t taxed on the value of the loan when it was provided to yoy, so you can’t deduct it when you pay it back.

Yes

This one lost a bit of impact when it gave me a 30s unskippable ad

Context is also not my first language

Also in Canada, also didn’t notice any ads, also paid for the ad-free experience anyways to support the app lol