[mandmandam]

> This is absurd. When your debtors go bankrupt, you lose money. Nobody wants to lend money to people who cannot afford it.

Weren't you just calling someone's comment "exceedingly naive"?

The poor and financially vulnerable (ie, most Americans) are at a systemic disadvantage when dealing with debt, bankruptcy laws, and the justice system. They are preyed upon by all sorts of people offering debt, at a higher rate than ever before, anywhere.

Not to mention government bailouts, which really changed the game with regard to balancing risk.