[nkozyra]

"This is the same argument banks make when they jack some single mother's interest rate to 39% when she misses a payment on her credit card. It has nothing to do with risk, and everything to do with seizing an opportunity to take advantage of someone."

This does a poor job of extending your argument. That's an explicitly defined and agreed-upon contract between the issuer and the recipient of the credit card.

Maybe we have very different interpretations of what "taking advantage" means. To me, that pivots heavily on shared or expressed understanding.