Ключевые слова: asterisk, banking, banks, burden, business, challenges, challenging, charges, conditions, cost, costs, debt, difficulties, economic, education, face, fees, finance, financial, financial illiteracy, hidden, illiteracy, impossible, injustice, interest, interest rate, interest rates, issues, lending, loan, monetary policy, money, penalties, penalty, policies, rate, rates, risks, scams, star, stars, stiff, tax, taxes, terms, traps, unfair, unfavorable, violating,