And yes, loan sharks are legitimate businessmen in the US. Not most other places mind you because *there's legislation preventing it*. You're conflating "can" and "should" consistently, much like most other people in this thread. It's just not a moral business. Much like gambling isn't, selling addictive unhealthy products isn't, and so on. It's legal though, and if you want to change it vote for people that can turn that into law. Welcome to democracy.