[lifestyleguru]

They were in some lunatic trance agitated by manipulative sales tactics. Any other loan they would have research beforehand and actively apply for.

> fact that your lot decided it was worth taking out a loan

Let's use analogy - currently American elderly are aggressively profiled and targeted by various scams starting from a phone call because they are gullible, lonely, and vulnerable. Perhaps they simply decide it's worth to give away 1000-3000 USD here and there? Maybe they decide that few calls with a guy with Indian accent is worth 2000 USD, of all things. Honestly I feel certain satisfaction that it bites back.