Counter to the other answers, I'm going to approach this from the perspective that some people who offer loans expect those taking the loan to not be able to pay them back. Reprehensible as it may seem to some, the practice has been in place for centuries of intentionally getting someone into debt so that you can essentially own them as a slave or indentured servant. While today's society technically forbids things like "debtor's prison" or forced servitude, in many countries a lender can still use the legal process to garnish wages, seize property, and generally ruin a debtor. This predatory lending, sadly, is at the basis of many "payday loan" and "check cashing" businesses, as well as some credit cards. Thus, someone may specifically target the person who can't pay back the loan, knowing that they will be able to recoup their initial sum several times over.
Sean Duggan
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