“Evil” is a pretty OP strategy if you have the stomach for it

I think they do have the stomach for it. And also smart enough to get away with conning people, to know how to not get in trouble with lawmakers, do that fine print just right etc. They act as if they are helping people by offering easy credit while they know they’re not earning money from people who can easily pay them back. They profit off the least capable to keep their finances in order, living of the weak and vulnerable like parasites do.