In reply to Gavin.

Thanks for replying but actually, no, you are mistaken on just about everything you wrote.

I have indeed been poor with no credit and I have indeed been at times without enough money that I have had to make use of non-traditional lending services. Crap happens. I also matured in life and in my career and have better income and credit so these days if I need credit, I can make use of banks.

Payday lenders don't "make" poor people seek out high interest loans. They provide a legal service to those who wish to make use of that service. Apparently you don't think that "poor" people are capable of making their own decisions and so should instead have NO option for obtaining short term loans because you FEEL that they are unfair. You would rather someone go without food, or medicine, or miss on paying their rent than have access to funds. How heartless is that.

You would rather treat the poor like children that can not make their own dicisions than the adults that they are.