Why do some people refuse to acknowledge that the 2008 crash was due to predatory loans, and that our current student loans are predatory?

Honestly, it sounds as if they're too stupid to learn how to use google and research what the term means and just focus on the words they understand "predatory" meaning the loans pounce on you.
Update: "If you want to fix this, have the government quit having programs to give loans to people who cannot afford to pay them back." That is the very DEFINITION of a predatory loan. Loans that you KNOW someone cannot afford to pay back.
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