[chrismeller]

Why are we acting like the two are mutually exclusive? There are two vulnerability groups here:

1) People with financial difficulties who would be more prone to take small amounts on a regular basis to "round out" their income difficulties. 2) People who, even though financially secure or well off, if given the opportunity for a large score, would be tempted to take it.

There are different approaches for dealing with both, with some overlap. Limiting the possibility for any fraud by limiting access, requiring multiple approvals, etc. helps negate both groups' potential for fraud. Credit checks help to eliminate only the first group's potential.