[toomuchtodo]

> I used to work for LendUp. They're the most caring and altruistic people I've ever met. I mean that literally.

Well intentioned loan sharks are still loan sharks. LendUp is attempting to solve a manufactured problem.

People don't need payday loans, they need social issues fixed that trap them in a cycle of poverty. No VC money available for that though.

[austenallred]

If you know how to solve the problems of income volatility, low income, or high credit risk at scale, you should do that.