When the courts step in, what would be the downside to converting the interest rate into one similar to a savings account or bond? The credit card companies a

When the courts step in, what would be the downside to converting the interest rate into one similar to a savings account or bond? The credit card companies are for-profit companies that take some amount of risk in their business. So essentially, they gave out too much credit to a set of people, how much of that do they eat? To me it sounds like an almost optimum situation for them to have someone's wages garnished, and they're still accumulating interest at over 27% and they're making close to no headway on the repayment. Why wouldn't they want someone to be in that situation? In addition to that, they've probably decimated these people's credit. I'm all for living within one's means but some of this is absurd. It seems like they almost have no choice but to declair bankruptcy. At what point to you hurt the credit card company for making a stupid decision to even give these folks credit?