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Hey CJ, it's a free market. Nobody mandates the finance industry to overpay their people. It's like an overvalued stock--instead of screaming it's overvalued, just go with the trend and sell on high lor.
(1) Interest rate is a macroeconomy variable--it is bigger than just about "ripping off customers".
(2) High risk products have high risk because they have high potential returns as well, or else obviously nobody would be stupid enough to buy them.
You don't seem to know about finance a lot--so how do you know how easy or difficult it is to get into it?
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