What's the difference between a subprime a-hole and a subprime saint? Intent.
One focuses on maximum, nation-crushing profit, the other on providing merely profitable, nation-building services.
Check out Slate for subprime lenders to the working poor and minorities who have late-payment/default rates so low as to be insignificant.
Comparisons such as these alone should provide sufficient bases for thoroughgoing prosecutions once Obama is in power.