One would assume that there is a difference between what is a "predatory" offering to irrational individuals, and what is a "predatory" offering to mostly-rational corporations. For the same reason that individuals gambling is considered not-so-sensible, but corporations holding liquidity in the form of investments isn't so much; or the same reason that individuals purchasing on a lease are usually being screwed, while corporations leasing e.g. equipment aren't. Unlike people, businesses don't tend to take these deals if they're sub-optimal for them. If they're taking them, they are usually the best solution, even after all the NPV calculations.