Nobody forces anybody to take out a payday loan. We need some real wealth redistribution in this country than people wouldn't be so desperate as to need money to pay a utility bill or put food on the table. The terms of the loan are clearly spelled out on the loan form. If you don't read the fine print before you sign on the line that's your problem. Don't check this option if you can't afford to pay it back. Sometime in life you have to grow up and be responsible for your own decisions.