Should I Lend People Money?

I really like John Mulaney. He's a very funny guy and I was looking forward to this show. I was even more excited to hear that Michael Keaton was going to be one of the first guests. Then the show started....

The monologue was fine but when they introduced the topic of the day the show quickly went off the rails. Why would you bring on interesting people and then take calls from random nobodies and talk about such a boring topic? It makes no sense. I want to hear Michael Keaton and Joan Baez talk. And even though I don't like Fred Armison at all it would be better to have him be interviewed than some dude talking about borrowing money from his mom to start an exercise business. Blah....