I think it is very predatory. You guys are "changing the world" (for the worse). We should encourage people to save not to borrow money with interest and spent

I think it is very predatory. You guys are "changing the world" (for the worse). We should encourage people to save not to borrow money with interest and spent. They will get poorer and poorer and can never get out. You are taking advantages of poor people. So I hope you fail.