Loan interest rates has always struck me as one of the most unfair aspects of capitalism.
Those that could most benefit from a low interest rate loan are those most likely to be forced to use the services of loan-sharks.
Yet for such people, for whom a cheap loan say to finance a second hand car to keep them in a job, whether allowing them to continue to commute to a fixed place of work or earning money in the gig-economy are the ones least likely to get a good deal from anyone.