All depends when you bought. My cards all are paid off so yes it's still profitable.
Even saying like this is wrong cause noobs think that they will have all their cards paid off too cause the way you said showed it was easy. Never underestimate the power of stupidity and any signs of a positive thinking will make them get into mining and be in debt very soon. This is like generals sending their men for war without any possibility of winning. The general will not get killed, their men will and he treats that as an acceptable loss.
Tis is not just the problem , I see noobs buying mining cards instead of GPU these days , if any big crashes happen in crypto , they basically trash their money