I mean, its not like markets reach equilibrium in an instant, or that financial education/operations are particularly robust in these communities. A more compet

I mean, its not like markets reach equilibrium in an instant, or that financial education/operations are particularly robust in these communities. A more competitive lending market takes time to setup (i.e. to learn idiosyncratic risks) and some amount of operational overhead/expertise to run efficiently. Just because things are the way they are doesn’t mean they can’t change