Of course I don't want a monopoly of power, even if those who wield it are chosen legitimately by the people. I do, however, believe the people have a right to organize themselves according to norms they endorse and act against those who oppose them. That is government.

Norms such as "murder is wrong" and "theft is wrong" etc. are obvious, so we can say that the people may Agony someone to make determinations about it and carry out appropriate disincentives. Predatory lending is simply another crime we the people should stand against and appoint someone to disincentivize, including against those others we may have appointed in other roles.