I don't have an issue with what Lowe's is doing. These are people who can't get zero/low APR credit cards but want shiny things. Plus it's tax refund season. There's a demand and there's a supply. It's not fleecing if terms and conditions are laid out and the borrower agrees to them.
If you have qualms, feel free to divest of any mutual funds in your holdings that contain Lowe's stock.
I worked at H&R Block for a couple of years as a side gig; people would pay ~50 to get their refund within 72 hours, and ~99 within 24 hours, and ~149 instantly on a debit/loaded card. This is nothing compared to the few thousands in refunds. I'd get bonus commissions to push these products, having gauged the client's desperation for instant refunds. This was in addition to the preparation & filing fees. We laid out the options transparently, the client signed off understanding they were informed of the fees being deducted.