We miss why we have payday lenders. Many tenants I work with can not access any credit at all from any normal source. You try and live your life without - a credit card, a car, an overdraft, a mortgage, a short term loan, a store card and a low wage. It is practically impossible. If you want to get money help if you live in United Kingdom why should we prevent you? Sure they might struggle to pay - but it's person's choice. And better financial education will also helpfully bridge the gap.