Not to defend loan sharks and usury, but the moral conundrum is always interesting. There isn't really any winning here, because if you fail to ethically offer credit products, you're not actually destroying the market demand nor how it is filled. By that I mean you'll get payday lenders and if you don't get payday lenders than you get criminal underworld loan sharks. We take access to credit and the way it smoothes things financially for granted, but not everyone has that luxury. Starvation for many families who don't avail of that service is also likely a fact. Starvation as a result of the second order economic fallout of this pandemic across much of the global south is certainly a fact. Saying shame on Amazon and shame on Facebook might help you feel better, but what's your alternative?