Kapitel 595: Chapter 130: Do Black Lives Matter?

"When we define the New York Mafia's usury as a quite serious crime, the interest rates that KeyBank charges low-income people are five times that of the New York Mafia."

"And what's worse is that once customers are lured in, they can never escape until death. I don't know how they managed to design such a cruel mechanism, a joint liability mechanism, where groups of five black people, if one can't repay on time, the others will have their funds frozen. To unfreeze the funds, either the defaulting group member has to repay, or the others have to shoulder the loan. This essentially forces KeyBank's borrowers to become its debt collectors for free. Generally, among groups of five black customers, there will just happen to be two gang members, ensuring that the other three dare not default."