"Predatory" lending is only possible in the presence of coercion.
If Party A is such a bad credit risk that the only loan they can get is from Party B at a high interest rate, and that requires them to dramatically change the behavior that created the cash crisis in the first place, Party B is not a predator.
If Party B is charging too much for the loan, surely another "greedy" party will undercut them and offer better terms to Party A.
If Party A accepts the debt on the same conditions, but then fails to dramatically change their behavior such that they insist the terms of the original deal be modified or else they'll default, Party A is acting like the predator.
If Party A is such a bad credit risk that the only loan they can get is from Party B at a high interest rate, and that requires them to dramatically change the behavior that created the cash crisis in the first place, Party B is not a predator.
If Party B is charging too much for the loan, surely another "greedy" party will undercut them and offer better terms to Party A.
If Party A accepts the debt on the same conditions, but then fails to dramatically change their behavior such that they insist the terms of the original deal be modified or else they'll default, Party A is acting like the predator.