Wait, so the fact that banks offer loans to people, which they don't have to take is predatory then? The 0% APR for 2 years offers I get in the mail are predatory? This indeed must be terrifying for you, since those terrifying zero-interest offers of credit are in every store you go to, every bank you go to, and omg even in your own mailbox.

So again just to be clear what you're saying. A loan with interest is ok. A loan with zero interest where you might get a chance to have it forgiven if you are a top performer at work, is "incredibly predatory and terrifying?"

And by the way, for a guy selling his house for $3mil, having to give back $100k that he knew he might have to give back, after using it free for almost 2 years, is not "a massive loan." My wife and I spent $80k on refugee aid last year, and I don't have a $3mil house. It was an unplanned expense, but it changed our other spending or lifestyle in zero ways. It just means last year we didn't save as much for retirement as the year before.

Why? It's literally free money. Stick it into an low risk investment account or even a money market account, give it back at the end and keep the interest.

People should be held accountable for their own stupidity, and it's not like the company did anything deceptive AFAIU. If an adult doesn't understand what a loan is then that's on them (or their education, but that doesn't absolve their responsibility).