Most businesses are not evil. These places are.

Sure, they'll tell you that they're providing a "service" for people who've had bad luck or made some poor choices. If they really wanted to help these people they would:

Tell them ride a bike, walk or whatever until they've saved enough money to pay cash for some beater. Cut up the credit cards. Debit cards are OK. Cash is better. Tell them not to throw money away on paying interest.

Instead what they do is gouge the people with high interest rates who can least afford it.