I thought the parent was referring to the developers/business choice as being immoral, not the customers.

If I choose to offer predatory loans which I would never accept for my friends or family to a community that is not financially savvy, and someone calls me out on it, it doesn't fly to say "hey, what do you have against these people taking advantage of my easy to use service?".

What you're missing is that I'm talking about developers having a choice between providing the best possible product in a technical sense, or simply going the way of profit and greed. To me, when you knowingly produce a substandard product and seek non-savvy users, that's an immoral act. I believe the goal should be to constantly raise the floor, not lower the ceiling.