"Is their anything tha can be done about it?"
About the only thing you can do is stop borrowing money at interest rates that are "impossible" to pay off.
Usury laws have been virtually wiped out. You are now free to burden yourself with loans carrying interest charges that approach 400% (at some payday loan outfits).
You are also free to decline to borrow money at ridiculous rates. I don't think it gets much simpler than that.