Victims (e.g. regular people borrowing money from banks) should not be blamed 100% of the time.

Predatory lenders could be blamed too, especially if they use deceptive practices, such as without being upfront about all the fees, tricking clients into "gotcha" contracts with many hidden fees and fine prints that takes way too long to read, or if they suddenly change policy and charge more fees without properly informing their clients, or even locking their accounts continuously and never letting the clients take out their money (eg. infinite-auto-renewal GICs with no choice to withdrawal + heavy fines if they try to withdraw). Then the client has the right to sue the predatory lenders in court, especially if the deal was done in bad faith.