I do like bringing up the potential for dissolution. I would add just the general ways in which they profit off distorting the economy for massive private gains, often to the ruin of many individuals.

Credit has become ubiquitous, in a manner that belies its supposed purpose, at least as was originally practiced before consumers were offered and employed credit for absolutely everything.

Then again, governments and "regulated" entities are also capable of blackmail. I'm not sure these private companies would ever have an incentive to care about what you spend their money on unless governments gave them a reason to - which is why this is happening. At the end of the day you run into the same perpetual problem - you want x, some mob wants y. Good luck.