I have to agree with this. If somebody wants to charge 100% interest or 500% interest or 1000% interest, it should be the borrower's prerogative to pay it if the borrower chooses to do that. It should be the role of government to safeguard the borrower's right to be fully informed of what he or she is agreeing to however. I wouldn't even object to a requirement that the borrower sign acknowledgement that he or she has been duly informed and that he or she understands that other lenders offer a much lower rate. We cannot say that we want self governance with the federal government playing only a support role to defend our rights and then regulate what we are allowed to choose to do.