We no longer do IOU's, because it's all about YOU's - simply put, You Owe Us!
A retard if you're looking for this
Peter: I think I am quite stupid
Thanos: Yes, YOU are
Peter: YOU too
Thanos: Ur mum gay
Peter: Mr Stark I don't feel so good
A dumbass who had to look up the word 'you' in a dictionary.
"You are as useless as your mom."