It makes for an effective gloomy sci-fi atmosphere, but does it really make sense? What's stopping someone from starting a better recovery company that actually

It makes for an effective gloomy sci-fi atmosphere, but does it really make sense? What's stopping someone from starting a better recovery company that actually gets the job done and doesn't do it on credit but for a fee? Incentives are not aligned if I have to pay interest because then the company has no reason to actually recover the identity