Any of the other times when efforts were made to extend credit to people with bad credit scores, and it ends up with indebted people being in worse debt.

> Not so sure why you're down on doing good

a do-gooder is someone who has a naive conviction of their own moral superiority and agency

I'm saying there's people who, by never doubting their own agency & fallibility, force the unfortunate people they're trying to help into even worse misfortune.