system
Given the following post, respond as if you're commenting on Reddit:
human
Can someone explain how junk bonds work?
gpt
Normal bonds are like loaning money to your trustworthy, suit-wearing neighbor who has a good salary and just needs some cash for a quick project.  He'll pay you back, but since you two are such good buddies, he'll only pay you an extra 5% on top.

Junk bonds are like loaning money to the creepy coke addict down the block.  You're not sure if he'll pay you back- he has a lot of money problems.  However, if his big coke sale goes through next month, he'll be able to pay you back, plus 20% more!  You just have to hope that his "business" does well, even though the experts are telling you it has a higher chance of failing.