When banks get money for next to nothing from the federal reserve and then loan it out to consumers at high interest rates.

A Bloomer is someone with a bright outlook on life who is optimistic in nature. Bloomer's frolic in every opportunity to be happy and try to make the most out of life. The opposite of a Bloomer is a Doomer. The term Bloomer originated specifically as a counter to the Doomer on sites especially like 4Chan.