Practice — Passage Comprehension & Inference

Passage: "Microfinance institutions extend small loans to individuals without access to traditional banking, often at higher interest rates than conventional banks charge. Proponents argue these higher rates reflect the genuinely higher cost of servicing small, unsecured loans, and that access to any credit, even at a premium, is preferable to no access at all. Critics counter that without adequate regulation, high rates can trap borrowers in cycles of debt rather than lifting them out of poverty. Most policy debate today centres not on whether microfinance should exist, but on what regulatory safeguards are needed to prevent its potential harms while preserving its access benefits." What is the passage's main idea?