And few people really need funds if all of us stop then those needy people will face a lot of problems that's the main reason for lending.
Maybe I'm old-fashioned, but in most cases I don't think you help people who have money problems by lending and making them pay interest. They're only digging a deeper hole, instead of saving up once and being ahead for the rest of their life.
It seems to me addiction is like gambling.
I didn't expect this answer. I guess it makes sense, if both gambling and lending are turning a loss in the long run.