If you are a “predator lender” (not as in a zoo that lends animals), you may want to consider the infamous monologue from New Jack City:

I’m not guilty. You’re the one that’s guilty. The lawmakers, the politicians, the Wall Street titans, all you who lobby to make housing a right. Just like you did with every other failed social program. You’re the one who’s guilty. I mean, c’mon, let’s kick the ballistics here: Ain’t no houses made for free. Not one of us in here owns a credit swap. This thing is bigger than [your name]. This is big business. This is the American way.