Are you really failing to make a distinction between individuals and corporations? Or is there something in your argument that I missed?
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.