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I've been considering this issue further.

The problem is that desperate people are often easily exploited. Throw a drowning person a rope and they will grab onto it, even if there's an anchor at the other end.

Debt collectors are dealing with one variety of desperate person, and helping to create a sense of desperation.

If they create that sense of desperation and then link it to other kinds of actions they may induce people to take poorly conceived options.

Here's a similar example of that ---- dentist who offer patients lines of credit at poor terms in order to get people to sign up for loans when they are vulnerable to suggestion.

Seattle Pioneer
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