If an employer isn't exploiting you, he's your partner. If a renter isn't exploiting you, he's your seller. If your lender isn't exploiting you, he isn't charging you to borrow from him.
If an employer offers me a certain amount of money for my services and I accept, we are both in a better position than before. If a landlord offers me a place to live for a certain amount of money and I accept, we are both in a better position than before.
Tell me how you fit in to this transaction, and how you can determine if I am being exploited or not.