Taking credit when you can't pay it back doesn't just hurt the bank - it hurts you too. Getting loaned money is not a right, and if you are irresponsible, it's

Taking credit when you can't pay it back doesn't just hurt the bank - it hurts you too. Getting loaned money is not a right, and if you are irresponsible, it's harmful. So if lending more to a certain segment of the population hurts the bank's profit, I'd also expect it to cause more problems for that population segment too.