Continuing my own mini-filibuster inspired by Booker's unbelievable one, I want to add also my thoughts on the issue of deregulation of consumer protections.
In a 2009 essay, I made an argument that credit cards, especially the high rate ones, are a safety net of last resort, available to the poor who are ABANDONED by public safety nets, but who are forced to rent a second government that DOES offer a safety net. Those high interest rates are the TAX they pay to that privately rented government that offers them a lifeline. But the tax is not deductible. So they are double-taxed in a way rich people and businesses would never stand for. That's overly brief, but maybe you see where I was going. See the essay for more detail.
Credit Cards: A Tax on "Being Poor"
https://netsettlement.blogspot.com/2009/01/credit-cards-a-tax-on-being-poor.html