We must get ten pitches a week in the mailbox for credit union loans, bank loans, new credit cards, etc. We just toss all of them.
They are in the business of providing loans and credit cards. That’s how they market their services.
You should be proud that you’ve got a good credit rating and they want to loan you money. I just don’t see “evil” in standard business practices.
“Loan” is a noun. The verb is “to lend.”
My wife handled the family finances for most of our 50 years together. She took it over from me early on when she realized I was paying bills as soon as they came in rather than later but on-time. Our credit was good enough that everyone wanted to lend to us. She financed some big ticket items on zero or minimal interest accounts, then refi'd into the next "no interest until" offer that came in.
Not so good a deal now though; they are typically charging a 4% fee on balance transfers.