Opinions about finance/Wall street journal

We were just talking about how Goldman was not the typical retail bank, but that has changed. "Marcus" the lending service Goldman Sachs launched Friday and has one of the biggest banks to back-up this new venture. There is one hitch, Goldman is specifically targeting those individuals with credit card debt. Their hope is that this service will consolidate debt ultimately into the hands of Goldman Sachs.

Ethically, is this the right solution? Targeting those people with high levels of debt is only a short-term solution. My feeling is Goldman will grow this project out too quickly and overlook the potential damages they could be incurring.

Any thoughts on how Goldman should approach the consumer market? What pitfalls should they be cautious of?

WSJ: ​http://www.wsj.com/articles/goldman-sachs-joins-the-fintech-fray-with-marcus-1476368800