It's unethical to offer extremely high interest loans.
Bill is in charge of giving loans to people, and a black woman is asking for a loan to start a restaurant.
Bill has to come up with the terms for her loan.
Bill offers the woman a loan with terms that most people can pay off.
Bill doesn't think the woman will succeed, so he offers her a loan with extreme interest rates.
The woman is able to start her restaurant, and the loan isn't an impediment.
The woman struggles to pay off the loan as her restaurant struggles.