I am continuously amused by people who delude themselves that businesses benefit by driving their customers into such a state that they are unable to pay.
Do you think they were courting these particular customers because they were trying to build a repetoire with them for the day they go to buy their million dollar mansions?
Have you ever met someone who uses "pay day loan" places regularly?
How about the medical insurance companies? Think any of their customers have been driven to bankruptcy?
The laws have been written in such a way that the side with the most lawyers is the side that wins no matter what the outcome of a business transaction. It's no longer a matter of "can you pay?"... it's a matter of "can we bleed you dry?"