I guess this is what happens when everything is left up to the individual and the market. In general, either these companies lower prices for all their customer

I guess this is what happens when everything is left up to the individual and the market. In general, either these companies lower prices for all their customers or maintain the same prices with fewer customers. Apparently the latter is better for them and they have no interest in going into lending. Maybe unemployment insurance could have helped but, judging by the article, a lot of these people may not have been able to afford that even if it was widely available.