Why do people say that lenders are oppressive when nobody forced them to take the loan?

Besides big corporation bailouts from the government, banks can't force you to use their institution or pay for their services. And for the bailouts, shouldn't the government be responsible for the theft?

Of course, many banks are very reckless with their consumer's money. Some of them make terrible decisions with no sense of responsibility. They lend money they don't have, and use other people's money in bad ways.

But there are also some banks that are financially responsible . I don't see what's wrong with a bank lending money if they make sure their business is sound and stable.

For example, if I ask my girlfriend to lend me $500, and she does, she doesn't automatically become some evil witch cause she started lending out money. I would be stupid if I think that her lending me money makes her a bad person.

So what do you think about lenders. Are they oppressive? Is society blaming them for their own bad choices? Is society letting financial institutions exploit them? Is the government at fault for letting financial institutions off the hook for bad decisions, and enabling them by giving them taxpayer money for their failures?

Please let me know what you think about lenders! Evil, or not?