Yes, I am teaching people how to read analog time and balance books - well, count money actually. They're my kids! LOL I find it sad that people can reach their teen years without knowing this stuff, and commend you for taking the time.And I've taught several people to tell time on an analog clock and how to balance their bank book. Math skills are sorely lacking in this country. These are the only people I can see getting caught up in this kind of mess, ones who don't know any better.
Apparently there was some kind of legislation passed in the 80's which makes credit card companies and banks exempt from state usury laws.