Dave had a great idea for a product at Primary Cap. He was definitely trying to be the "good guy" in the industry, being creative, in his pitch to me.

To say "give business to your bank" is correct. But what if the bank doesn't want your business?

The biggest predatory loans are Student Loans: https://www.youtube.com/watch?v=RjWWTTMj0xw (there's a 3-hour version and what he did on his show)
They're empowered by Congress and the price of university has risen and we are all forced to pay for it. 18-year-olds are not credit-worthy to take out $100,000 of debt!