I get that, and like I said I genuinely don't care that much about my credit score. I'm just trying to give a real world example of why someone might keep doin

I get that, and like I said I genuinely don't care that much about my credit score. I'm just trying to give a real world example of why someone might keep doing business with a known unethical entity. It comes down to: I know that they suck, but there is a real non-zero cost to switching (my time and credit score), while continuing to do business with them is free.