hey, at least all they do is whack their customers with incredibly obnoxious fees and interest rates when they don't pay on time, and sometimes even when they do (the old trick of not crediting payments in a timely manner, among others)
a real loan shark sends guido out to rearrange your face
and, they do provide a service, namely providing extremely expensive credit to those nobody else will touch, kind of like rent-to-own furniture outfits and buy-here-pay-here used car lots
it really ain't our job to protect people from their own stupidity