you hear about the horror stories with pay day loans, but you don't hear about the people that need access to quick cash with little collateral, and are able to responsibly pay it down quickly.

about this time in 2017, i decided at the last minute to go to movement, the large techno party in detroit. i hadn't planned for this, so i didn't have money put aside to do it. and, it's expensive. so, i took out either a $200 or $300 loan from a pay day loan service, in order to hit the parties in detroit. i carefully calculated what the interest would be and effortlessly paid the loan down on time.

i know this isn't the type of scenario you're used to hearing regarding pay day loans; i spent the money on beer, cover and cigarettes. crazy, right? well, i had fun. there are vlogs. regardless, i wouldn't have had access to the cash at a bank.

i don't think you should take away something that is actually useful to responsible people because irresponsible people abuse it. nor do i think that banning pay day loans is really going to have much of a useful outcome, as people that need the money will just go to loan sharks.

i might rather suggest a religious motive underlying an opposition to usury, and push back with the explanation that we live in a secular society, and don't want to legislate out of a bible or a koran.