"Is over 100% of the original debt "justice" or exploitation?" Would it make any difference to your reasoning if the individual was financially illiterate as o

"Is over 100% of the original debt "justice" or exploitation?" Would it make any difference to your reasoning if the individual was financially illiterate as opposed to financially educated? Because from my point of view, it's neither justice nor exploitation, but agreed and consensual contract. Now whether those individuals made a good decision to get into the contract is a different discussion entirely, and is why I ask the above question of you.