Racist bullshit in action: Auto finance division

If there's a way to feel like a bigger asshole than one does when watching one's housekeeper clean around your new $2500 TV right after she's just told you that her car is about to be repossessed -- the one her deceased husband bought, and which she's been making payments on (at an already abusive 10% interest) since his death at age 36 two years ago, but which she's not on the title of, which fact the bank just found out and thus the repo unless she's able to pay off the remaining $10K immediately or refinance at fucking 19% -- well, I'm not sure I'd care to find out what that level of assholery feels like. I think this is pretty much Olympic-level to begin with.