So, necessary business model or scum of the earth?

In the blue shorts, he believes that high interest loans for individuals with ridiculously bad credit is preying upon those who need the most help. The rates are criminal, the collection practices are appalling.

In the red shorts, he believes that risk-based pricing is necessary to continue to provide funding for the 70% of customers that don’t default based on repeated default clients, and without risk based pricing nobody would consider lending to a population with a 30% default rate. If risk based pricing goes away, so does subprime lending... How will those individuals purchase transportation without a source of funding?

Where does Oppo stand?