It's wrong to ruin other people's lives.
Stan is a lender, and a family is meeting with him to help finance their new home.
Stan wants to give the family a loan.
Stan offers the family a loan that has reasonable terms to pay it off.
Stan gives the familly a subprime loan that has high interest rates.
The family is able to pay off the loan eventually and don't feel taken advantage of.
The family has trouble paying off the loan and might lose their home.