> "By borrowing beyond their ability to repay" That's a different argument. I'm not arguing the point of allowing them to borrow more than they can afford to r

> "By borrowing beyond their ability to repay" That's a different argument. I'm not arguing the point of allowing them to borrow more than they can afford to repay. I'm arguing the point of allowing them to borrow what they can afford to repay at rates that allow them the opportunity to do so rather than making them pay rates they can't afford for money they desperately need. Preventing them borrowing more than they can afford to repay is a different and necessary oversight. Nobody should be put into a position of debt slavery. So I agree with your point, I just don't agree with your premise.