[RandoHolmes]

> However, I think that trying to place market restrictions on two parties making an agreement is not the right way to go about it.

There are restrictions placed around how much you can charge in interest for taking a loan. Imagine if someone were to place a 1000% loan because they knew the people taking them were desperate enough for their next meal that they would take that that.

These laws exist for a reason. That they inconvenience you (or anyone else) is irrelevant.

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edit: well, not irrelevant... it's the entire point.

[cortesoft]

This is my point why we need a better social safety net... we wouldn't have to ban 1000% loans if we made sure people were never desperate enough where that was their best option.

If we instead simply ban 1000% interest, it doesn't mean those people suddenly have better options than they did before... if means they are forced to pick an even WORSE option.