I believe charging premium to lend what you don't have to be unethical. Think about loans that ruin people's lives (student loans, for instance), and compound

I believe charging premium to lend what you don't have to be unethical. Think about loans that ruin people's lives (student loans, for instance), and compound interest on those loans that make them basically unpayable: the fact that they didn't even have that money to lend out in the first place is what I think is unethical.