[towelr34dy]

Let me see if I understand: so when we ban pay day loans and all the loan sharks come out, this is the message you have for poor people:

Don't take the loan shark desperate option, accept homelessness/bankruptcy instead of trying to stay afloat. Then you can try and work up from there because it is easier.

I honestly can't believe you want to make the lender of last resort worse for poor people in an effort to get them to hit rock bottom so they can then climb.

I might have had a hard time in life (I've actually taken out short term loans to stay afloat) and I might have an attitude from it, but I can tell you have little compassion for those who were in my situation; so you'll have to excuse the fact that this is personal. A 19 year old me would have been homeless with people like you. I actually am happy I wasn't. I'm happy there are 'exploitative capitalists' and not just 'warm hearted well wishers' up on high horses.