I hear this kind of argument from the same people who say the government shouldn’t be telling people they can’t do recreational drugs, or who to marry, or what to do with their bodies etc etc — that they can decide for themselves.
... but the same people can’t be trusted with a high interest credit-building card??
He is commenting on the high interest issue. So your criticism is misplaced and unfair.
As has been covered elsewhere in the thread, the disclosure complaint is based on an apparent misreading of the law.
However, there's still the fact that @dev_dull is not distinguishing between people arguing about government restricting individual freedoms and government regulating corporations. It's not about whether people can be trusted with high interest cards, it's about whether corporations should be allowed to set any interest rate they want.
In some cases, this adjustment would necessitate increasing the rights of individuals.