3. If an act of help is bounded with conditions and agreements, it may be called as "taking
advantage". Would you mean that banks, lending establishments and pawnshops are also
taking advantage of their clients because they are asking for interests?
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No. Pawnshops, banks, and lending establishments aren't just taking advantage of their clients because they are financial institutions that provide services as intermediaries of the financial market. They engaged in a monetary business that has rules and regulations from the government, which means that the interest that they're asking is not by their decision/their want.