What?
Predatory Capitalisim? I understand all of it except the Geek Portion. It' all Greek to me. So with that caveat I will wade in with both feet.
As I understand it people work (Really Work) and put a bit of their money into savings mostly at small rural banks. Banks, that are closely regulated by law loan the money out to people that don't have the cash to pay for something they need so they borrow it.

When small banks don't have enough borrowers they invest it with bigger banks that make bigger loans. As long as the regulations are followed losses are small if any so everyone does Ok with the system. However when the government relaxes the rules and more risky loans are made the chance of loss is much greater.
Now where does the Predatory part fit in?

Ray E. Strode