Thank you for your question.
If I may, I will answer you in English, to ensure that I provide an accurate, complete and comprehensive answer with all the necessary nuances.
That's a bit outside of my wheelhouse, to speak to what banks should offer.
What I can tell you from our experience and the complaints we receive, high-interest creditors can be very aggressive, both in their marketing and collection behaviour, including ignoring the stay of proceedings that happens when you file an insolvency. In some cases, they are so aggressive that people have been fired from their jobs, because they've received calls every minute from these collectors. In some cases, these people are outside of Canada, mind you.
However, my opinion, personally, going outside of my wheelhouse, would be that there is a need for access to low-cost borrowing for some of these Canadians. If people need to buy now and pay later for food, that might tell you something about their ability to buy food, right? To me, that's a bigger policy question.