That's a sick mind you have justifing preditory behaviour. So it is, I believed the same think in my high school days through my early 20s: if they can't read the terms and ask the basic quesions f' them. Now, perhaps, karma has turned on me. When I get a bank account the teller speaks in length about stuff that profits them, and when I ask basic questions about the account so i can be diligent they simply don't know (they act like i'm the first person to ever ask), or they give me a deceptive answer that sets me up for a fine, which I almost always detect. The small print of terms is so often written in a way designed to confuse and tire the eyes of even smart people. It's a little known fact that about 75% of all banks profits are from fines. That should outrage you.
I was wrong to think that way in high school, and you are wrong now. You say screw them? If these tactics would be unfair to use on mentally handycaped people they are also unfair to use on the uneducated, dim-witted, and or special cases (like imigrants).
The costumers that are too stupid.. are now the bank tellers, and the employees in best buy who routinely (illegally) misinform customers and set them up for expensive failure. Best buy likes their employees to act illegally, it's big money, otherwise they would put up a minimal amount of resources to keep the employees in line. It's common sense that is not the case just from observing the high presure sales enviornment in BB. The employees are 'kites'; if ther is a successfully lodged complaint they cut the string: fire the employee.
Just because idiots are a dime a dozen doesn't mean you rape them for every penny you can get from them; it will destroy the society you have to live in.
btw, I have no problem paying off deals like that either (though I never seem to use them), but just know if everyone payed it off on time the deal would go away, it would not be sustainable. You (and me) in fact are a welfare recipeint funded by the people who typically the poorest people in the nation, the ones you are calling stupid. I do deals too, but i feel a little ill when I do. The choice posed to me is: overpay or underpay--you choose. I underpay, but I'm not in denial that the poorest people are subsidizing my choice.
I think you are ignorant of how preditory big business is. here's just one meesley example (you may or may not have known about) of how bad big business is. i read 20 min ago (I already knew this, some of these stories repeat over and over, it was also true last year, but i bet over 95% of people don't know this:
The great oil robbery.http://www.populistamerica.com/the_great_oil_robbery
blah blah blah