Is There a Predatory Set of Lenders That Are Lending to Money?

When there is free capital available, what gets built on top of that is a layer of capital that's still pretty expensive, but it's willing to be lent at a higher risk profile than normal. So if I can get money at 1%, and I can loan it to you at 10%, even if you're a really, really risky person to receive my money, that expected value calculation can still work because the money is so cheap. The lower the cost of capital, the more risky the lending profile of the kinds of people that get access to capital becomes. There are predatory set of lenders here that are lending to money to people who never had a profile that was going to be able to