Sometimes there are customers who get in difficulty because of situations that are out of their control. These are customers with genuine needs, and the role of the bank is to accommodate these customers, and there is a real need to reschedule the loans of these customers.
We love kitties, gawd bless their little whiskers, and we don't give a damn whether they or we are superior or inferior! They're confounded pretty, and that's all we know and all we need to know!
The thing about villains is that villains always have their own logic, and they don't necessarily see themselves as villains. Richelieu is not a villain, in his own mind. He's doing what he needs to do.