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.
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.
Far too often, children with developmental disorders are diagnosed solely on the basis of their observable behavior, slotted into broad diagnostic pigeonholes and provided generalized treatments that may not always meet their specific needs.