The term loan shark carries a negative connotation. On television, he’s the guy who sends his goons after people who don’t pay what they agreed to pay. In real life, he’s a business that lends money to high-risk recipients. Where there is a need for revenue, there will always be someone, somewhere, ready to lend it. The lender doesn’t loan money out of the goodness of their own heart. It’s a business decision made with profit in mind. The government has decided that all lending institutions must pay for the predatory loan practices of others.