But in those transactions both parties end up better-off than they were before. Predatory loans are more akin to gambling or heroine: they intentionally undermi

But in those transactions both parties end up better-off than they were before. Predatory loans are more akin to gambling or heroine: they intentionally undermine a person's rational decision-making in order to leech value from them, without any reciprocity. This undermines capitalism itself, in a way.