I've dealt with at least four different US banks so far, with a credit score ranging from "zero" (no history) to 750+, and none has engaged in predatory behavior. Some less scrupulous loaners that target people trying to pay their bills might qualify. I'm talking those that advertise with lines like "$5000 now, no credit check". It's probably true that you can borrow money more easily in the US, and I get ads for loan products or credit lines a lot more than elsewhere, but the banks don't conceal their terms or falsely advertise, so that's not grifting.