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I hate this argument.
What happened to being an adult and not signing your name to stupid shit you can’t afford?
Predatory capitalism happened. And a system of society that doesn’t afford everyone an equal opportunity to take advantage of such a system.
Predatory business practices.
Compound interest has been a thing since the Babylonians, 2,000BC, and they understood it from clay tablets.
If you don’t understand it 4,023 years later with a iPhone in your pocket, you’re an idiot.
I mean, you’re not wrong, but I think their point was it’s morally wrong, not confusing.
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