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by lost_name 4257 days ago
It seems people disagree with your statements but you make a really good point.

> They are charging people with ridiculous prices because the risk of them failing to pay is ridiculous certain.

> This business model is exploitative and downright evil. But they are not the problem.

Indeed, the problem is that these business are kept open by people who do not budget properly. Closing these businesses doesn't mean these people will have more money to spend on things that matter. We can say they aren't helping, but we can't say the consumers would better allocate their money.