You might be right. But what a cold hearted and bitter comment to make. It's also a very self-serving comment, because you are placing yourself above these "stupid" "suckers". People make mistakes, they get into financial trouble and do things in desperation. You shouldn't kick them when they are down.
I hope that neither you, nor anyone you care about, is ever treated that way.
I’ve been down and I’ve had financial problems but as soon as a company tells you they will solve all of your problems AFTER you give them $1200.00 would make anyone with 1/2 a brain have second thoughts.