> Are these debts using people's ignorance about financial terms to make money? AKA Are they predatory? - If so then that's a bad thing. They are predatory by

> Are these debts using people's ignorance about financial terms to make money? AKA Are they predatory? - If so then that's a bad thing. They are predatory by definition, since they involve interest (usury). It could be made fair that the debtors only pay back what they owe, without interest.