[crankylinuxuser]

Poor people are in a negative sum game.

Many make less than the required minimum they need to survive in the USA, given things like dying vehicles and rotting residences and rising rent.

So it may cost $900/month to live total, but your fridge died and spoiled food. So its now $1000 cost, and at -$100. So you sell a part of yourself to a check cashing company and go further in debt. But you can eat. Who knows what next week will be like.

Thats being in poverty. Sure we can make excuses that "its for providing loans". Yeah, but they are extracting what little the people in poverty have for a little bit more skin.

And that's absolutely unethical. Well, unless you work in that industry.