I think there's a fourth class (to the third class another commenter mentions) that you're missing here, which the credit card example makes obvious: people who fall for the "human behavior" trick the company aims for, and are exploited or hurt by those practices.

Credit card case: people prone to overspending and falling in a debt loop, lured in by $500 due to being poor or in precarious situation (perhaps from falling in similar traps in the past), and who end up keeping the card long-term, as the 3-months spending requirement ends up trapping them in the CC spending loop.

This equilibrium you describe, is in many cases built on preying on the weakest and most vulnerable, so no, I don't think it's fine.