OK then. You weren't the root commenter, but it's pretty clear the root comment and the reply to dang were attempting to pin an accusation of unethical conduct on YC. But never mind.

There of course is another possibility: the founding team in 2011 was proposing a concept that seemed ethical and an improvement over payday lending options that existed at the time, but over time the company's idea or execution changed for some reason, in which case, there was neither poor ethics nor poor judgement on YC's part.

Occam's razor would require us to accept this explanation unless there was substantive evidence for another scenario.