Are stigmas and and prejudices, inherently based on fear, ignorance and hatred?

[paulpablo]

For Paul.

Hatred is an emotion, again by definition.

Agreed, do you think that some hatreds can be rationally justifiable, or based upon an understanding of the hated thing or person or group?

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Let's start with an "easy" one.  Hatred of predatory lending institutions?  Conversely, would a better understanding of predatory lending institutions lead to less or no hatred thereof?  Repeat with the individuals who accomplish the work of predatory lending.

Hate in and of itself as I said in another thread isn't bad.  It's simplistic to think of hate as being a simple bad emotion.  It's defined in the dictionary as being an intense dislike.  

So hate in that sense is basically a very useful instinct.  I hate the feeling of pain, the feeling of falling from a great height, being away from loved ones.

Directed at people or groups it can also be a justified useful instinct, to give an easy example, hating people who are trying to hurt you in some way.

I have very little knowledge of lending institutions.  You could call me paranoid, primitive or old school when it comes to money, I just save up, spend what's mine and I never use any finance deals, borrowing or lending.  My bank has offered me money, offered me a platinum card and I've just said no.  The people I bought my car from tried to get me on a finance deal and I just said no and paid for it outright.  

The only people I know who have had any real trouble with debt collectors have been people who are terrible with money.  A friend of mine with an alcoholic dad kept having debt collectors call and another guy I knew with a cocaine habit and stripper girlfriends had some underhanded looking people looking for him for a while.  
In both of those situations I blame them for lending the money, I don't blame the organizations that did the lending but I don't know about any other situations. 
You're saying this is an easy question so I'm guessing this answer is already clear in your mind and you might know more about the subject than I do.

I think I've heard that predatory lending had something to do with the bank bail outs, and on the face of it I'm very much against that kind of situation, but again, I know little about finance to have a strong opinion.