Climate Change and exploitation is probably due to a lack of imagination by Americans along with a troubling propensity to rally to the support of entrenched interests.
To provide relief to targets of predatory debt and educational institutions, mirrors similar approaches by government to the disease-care industry. In both scenarios the middleman is protected at the expense of the targets and byway of politicians bought into public “service” via Citizens United who are deft at maintaining the structure which is capitalistic hierarchical Establishment that in another place and time could be called dictatorship, and that has little to do with free market principles.
The diversity of targets of types of fraud and predatory practice in the USA reveals less about individual offenses than an overall system of corruption. Please note the youth who are seriously engaged in raising voice that hearkens back to similar involvement in the ’60’s.