Can you support this claim? I don't dispute the fact that the interest rates are astronomical, but I am skeptical about how the profitability pans out once you deal with the enormous risk of the borrowing group. I imagine most of the upside lies in trying to prey upon people who are in less dire need of credit than they think, because then they can have their enormous upside without as enormous a risk. Your assertion suggests that there's money on the table if only someone will step up to take it, and I find that to be a damning implication for an argument, absent strong proof.