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What Wall Street and credit card companies are doing is really not much different from what gangsters and loan sharks do who make predatory loans. While the bankers wear three-piece suits and don't break the knee caps of those who can't pay back, they still are destroying people's lives.
We developed microfinance to fight loan sharks - I was telling people don't go to loan sharks - not trying to take advantage and make money for myself. I would be a junior loan shark if I did... It is not a panacea.
We have lost that which has made us great over the generations, and that is the sense of individual and personal responsibility that we can come up, we can pursue our dreams and our aspirations and we won't be blocked by government regulation, by the inability to get a loan as a small business to make our dreams come true.
No loan is free. The costs are in your loan somewhere, maybe rolled into the amount to be refinanced or even coming at a higher interest rate.
I was obsessed with George Orwell for years. I remember going to the town library and having to put in interlibrary loan requests to get the compilation of his BBC radio pieces. I had to get everything he ever wrote.