Pure Capitalism is lending someone money for profit. It is the easiest way to get money for nothing. The loaner doesn't need raw materials, there is nothing to transport, there nothing to make, no need for quality control, no need for skilled workers who are always whining for a living wage. Produce nothing and make huge amounts of money with other peoples money. No wonder everyone wants to do it.
Car companies make almost as much profits selling loans for their cars, as they do selling cars.
All the big retailers have their own credit cards. The Mafia has been doing it for generations. They call it loansharking. Again, look at the United States. It has become a parasitic economy.