When I was about 10..

..my mum took out a loan with a loan shark. I remember this because after the initial loan, when the interest rates shot up, we used to hide when the tally man came to the door.  I didn’t understand why we used to hide, and my mum explained how much she had to pay back each week, and how much the loan had been. She was terrified, she was scared for a long time. I think she hid it from us.

Since our banking industry were let loose to do what they want, this illicit industry for door to door thugs became unnecessary.  At all levels.