who`s fault is it?

I believe that companies who take advantage and profit from low-wage earners are exacerbating the opportunity divide, because they are taking advantage of people who may not know what they’re getting there self’s into. For example in the article the poverty business it showed how people are badly informed or not informed at all. It gave the example of Thomas who wasn’t sure what interest was, and because of that she ended up paying 2,500 in fees. And because of the opportunity divide they might not have know or heard about loans and fees or they might have been misinformed. Who holds responsibility for alleviating this issue? At first I believed that it was the governments fault for not doing anything to fix the problem. And the corporations for taking advantage of low-wage earners. But after reading the article again I feel like it’s both the government and corporations fault, it’s the governments fault for not putting the information out there for the common people who really don’t know much about the subject and corporations for been greedy and taking advantage of people. But after reading the article it shows how it’s also the peoples fault for not doing anything to inform them self about the subject. For example there are books on any subject out there that people can read. There are also classes on accounting and things related to banking, that people can take to be more prepared. Over all it’s not just one persons fault it’s everybody’s. It’s the governments fault for not penalizing most of the corporations for doing this. And of course it’s the corporations fault for taking advantage of people. And it’s the peoples fault for not doing anything about it. I think that if people got up and took action this would change and everything would work much better.