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They are a for-profit company built around taking advantage of poor people.
all companies take advantage of poor people, the poors are terrible at making long term decisions because they don't have enough capital to afford them.
While true, there are levels, just like dante's circles of hell. Not all companies entire business models are specifically designed to take advantage of people's good nature and/or poor people's desperation...
Sounds like they are out of control
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