Yeah let’s all act like $1.32 billion is a slap on the wrist...

I have a difficult time agreeing with you here. Are they predators? Absolutely. But at the same time, they are people that have access to funds and are willing to lend to extremely high risk nearly indigent people. High risk means higher rates. It takes 2 parties to agree to the terms.....

Yep, you are certainly in a league of your own intelligence-wise...