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I loan people money, just like any other banker. People don’t have to accept my terms. They want a lower rate, go to a credit union—I’m not forcing anyone into anything. The law says, because I’m willing to take a risky bet and lend money to someone with shit credit, I’m a criminal. If a stockbroker makes a risky trade, would you call him a criminal? No. I’m not a saint, but I’m not the devil you’re making me out to be.”

