Absa vehicle finance maximising interest income at expense of SA consumer

I financed my vehicle with Absa vehicle finance in 2023. I then uncounted difficult finance times which prompted me to request a payment holiday in order to restructure my debts. They were more than happy to accommodate me which I was grateful for. This essentially increased the payment term, and meant more interest for the bank. This I understood. Things have since improved and now I requested the bank lower the term of my lower which would push up slightly my installment as this meant I would be paying less interest over the total period of the loan. Absa refuses to lower the term and states I need to pay more in terms of the instalment and this would lower the term, I explained to the consultant, Lerato, that this wouldn't matter as the term dictated the total interest paid and my paying more money monthly still meant I would be paying more interest in the long run. She advised me the bank was not going to decrease the term and that I was the one that requested to increase thus my fault. What's very clear is that, Absa is very willing to increase or accommodate you when they are benefiting, when you the consumer who is under immense pressure and trying to restructure your debt so you can come out from under it, this they cannot allow. They need to keep you indebted for as long as possible so as to make as much money from the South African consumer to pay off high dividends and options for their shareholders and execs at our expense.