If you think payday lenders care one iota about debtors going bankrupt after collecting multiples of the original loan amount in interest, I cannot help you.
I get that you have an ideological position to defend and, based on your other comments in this thread have either an inability or an unwillingness to cede any ground. So while, yes, I do understand how loans work, I do not have any further interest in talking to you about payday lenders. Have a nice day.