There are far greater forces at work that determine how people end up than small differences in interest rates. In any case it's not my fault if some population is worse at paying back their loans, why should I have to subsidize them? Or why should others have to subsidize me?
The past is not your fault, but the future might be. The world will be an even more screwed up place if everyone takes your attitude and only cares about their own bottom line.
