The scam that is the Home Depot credit card. Do your SMs and HCs jam this down your throat daily?

Let me start this by saying I've hated the HD credit card since I was hired. When we had the 5% match it was always shady to not automatically apply the discount. Not to mention the time wasted on angry customers who forgot to ask. (for this reason I always automatically applied it when I noticed) Now we get to be the messengers who get shot when we tell customers the 5% match is discontinued. For those also unaware we're being asked to sell this pile of shit to people at up to 26.99% APR. For reference the average APR on a credit card in the US is 15%. Also worth noting this is through Citibank so presumably they make more off it than we do. I genuinely feel bad when some poor customer signs up for this thing. Every time my FES/HC compliments me for selling one I want to say, please don't I feel like I just robbed that poor sap.

Recently my SM must have gotten reports from corporate that our credit card sales were too low. He walked the front end and wrote up every cashier that wasn't asking every single customer. Rather than address us personally on the issue he made the HC and FES remind us to ask EVERY customer. So here's us standing there getting lectured by our HC/FES while he stands 10 feet away and says not a single word to any of us directly. Am I crazy for thinking this is astoundingly cowardly of him? To make matters worse HC/FES now are requiring us to ask customers who already have a HD card if they'd like to sign up for another. (apparently you can have 5 in one name.) This is nothing less of asinine to me, but it gets even better. The next day I was asked to ask every customer going through self check if they wanted one. Firstly if all 4 registers are busy this is physically impossible to do without the risk of increased shrink. Secondly there are some customers I recognize as regulars who are financially smart enough to not buy into this scam. Asking them repeatedly frustrates them. You know what's a terrible way to connect to a customer? Asking them if they want to spend money they don't have.

Am I the only one who hates this thing and wishes we could provide something better for our customers?