Pound Notes - Bankers!!!!

Just a quick one! Interest rates on savings. How come when I deposit my funds with a lender, thus allowing them more equity to be able to invest and develop their portfolio to maximise their return on investment do I get 3.75%.

However:

When I borrow funds from them through the use of a card payment method they get 17.5% interest.

Does anyone else think that’s unfair.