Poking people in the eyes.lol.hehe. the beautiful pretty looking Yvonne. Yes some are greedy and change too much intereste. But you have to see that many families working for some of these loans companies have to get paid to feed their families. The loans companies have to pay banks changers, tax, insurance, pay their workers and also make a profit for themselves. So the depends on intereste for all this business to work. I myself understand how the loans system work. But I do see some of your good points!! You are so welcome pretty looking Yvonne!!