I wish I could not pay 1/3 of my income to credit card debt, I should be fine now I am no longer paid in beans and instead finally make a human being sized salary, but I pay so much towards credit card debt each month that I am still forced to go even deeper into debt just to get by, not even to thrive. I can only count my blessings that most of it is interest free, and in time, I will reach an equilibrium where my income is finally high enough to make a dent in it.
Loan servicers are the first to get the wall. In a just society predatory interest rates would have never left the drawing board. One asshole would have suggested it, someone else would have beat his ass, and that would have been the end of it.