> Second, I would love for someone to tell me how for-profit entities in this space would avoid using dark patterns to get people to pay them back Eh, that is

> Second, I would love for someone to tell me how for-profit entities in this space would avoid using dark patterns to get people to pay them back Eh, that is quite simple: if at any point a company has used a dark pattern, the loan in full is invalidated. Now no company will dare to use a dark pattern.