How does changing the paying method change the roles in the transaction? At worst (eg financing a car or house) it adds a new role, but customer remains the sam

How does changing the paying method change the roles in the transaction? At worst (eg financing a car or house) it adds a new role, but customer remains the same. If there's an issue, it seems to me it's the fact that students shouldn't be treatef like customers, specially by the State. How will you ensure that your private interest are aligned with individuals, and society needs How is the current system achieving that?