Why should grown ups play games like that?

I find it hard to believe that people have jobs to simply harass others and they actually like it. About a year ago, my niece bought a car. The loan company required a cosigner, my sister, and ten references. TEN. I understand a miximum of about five but TEN!!!!!! At any rate, she put ten references down and quite a few of them were family members. Me, my mother, another sister, her cousin, just to name a few. Unfortunately, the lovely child defaulted on the payments and has moved about three times since and has switched jobs. Yes, they cannot locate the car to do a reposession. When they called my sister, she told them that she did not know where her daughter was and that they had to take a number and stand in line to get anything out of her. (Her ex husband ran off with his secretary and left her with nothing.) When they were unsuccessful with her, they began to call that list of references. They called my house the other day. I didnt listen to the voicemail they left and I assumed it was a sales call. So, I called the number back on the caller ID and told them to take my number off their list because I was not interested nor did I know anyone who I am associated with who was interested in a loan. Later, I listened to their voicemail and called the direct extension that was provided. Everytime it sounded like someone picked up, I got hung up on! HOW ABSOLUTELY RUDE CAN PEOPLE BE!??!?!?! Is there not such a thing as business etiquette anymore?