No matter how predatory or even fraudulent the lender, in U.S. culture the individual takes the blame in the name of "personal responsibility". After all, if we were to acknowledge that vendors influence consumer choice, uncomfortable ethical questions would arise.
Nobody disputes that people are influenced. But it still comes down the the fundamental right of self determination, which is a pretty core principle in Western Democratic society. It's my right to try to influence you to do something (within reason) and it's your right to do whatever you please.
