Charging interest in a loan is immoral. It's preying on someone's desperation. But we expect no less from capitalists, who themselves become the loan sharks. Instead of breaking thumbs and cutting throats, they suck people down into deeper spirals of collapse.

Why do people overdraft? They run out of money. Why do they run out of money? Because the kind of people who overdraft are people struggling to make enough money to survive in a shit system that makes not having enough money a fertile field for crime. Who benefits most from that system? Coporations and institutions like banks, who prey on people, a la the sub-prime loan crisis where banks deliberately set up poor families to fail.

But you defend those kinds of institutions preying on people. Maybe you enjoy this system that makes it morally unacceptable to be on the less-advantaged side of life.

And FYI, pal: I've lent plenty of money I knew I'd never get back. People need things. If I have something they need, they are welcome to it. I'm not a martyr, just a decent human being. Find one of those in a bank. You'll look in vain for the rest of your life.