Guess you feel the same way towards credit card companies. When you need them to drop the interest rate when you have a balance they tell you there's nothing that they can do but have ZERO BALANCE not only WILL they drop the rate they'll also give you balance transfers at 0%. So don't say their scumbags for charging people when they're down on there luck, it's life deal with it!!
So you expect for a business to just hand out free money. These are high risk loans They take a risk with people with poor or bad credit. And this helps someone with bad credit rebuild their credit history.