Would you say that everyone who falls victim to predatory lending is dumb? Or do people maybe get exploited when they are in bad economic situations as well?

Would you say that everyone who falls victim to predatory lending is dumb? Or do people maybe get exploited when they are in bad economic situations as well? https://www.kqed.org/news/10499074/one-uber-drivers-story-how-he-was-trapped-by-auto-loan-program https://www.kqed.org/news/10499074/one-uber-drivers-story-ho...