If you are running you should watch Four Horsemen — specifically the Baltimore section. It may provide an insight into the negative effects predatory lending has had on the city and community you love.
Link is here: https://www.youtube.com/watch?v=5fbvquHSPJU
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This is important to understand. So not to get ‘caught in the weeds’ why not read Steve Keen’s note to Joe Stiglitz on Forbes which will take you to the source of the issue: