Who is exploiting Whom?

See black folks, we don't need to worry about exploitation coming from any other corners since we seem to be doing a damn good job ourselves!, I mean Snoop-do you not have enough Ca$h?  Or, my personal fav is the b.s. Rushcard from Russell Simmons, who just wants to ensure that "everyone has access to the American dream"(this tag line is taken from his commercial, so I may be off a little, but the sentiment is there...)  How does paying Simmons & Co. fees for this b.s. prepaid debit card provide access to the American dream?  I am still trying to figure that one out...