[adrianmpc]

Something that pipelines charitable donations through micro-financing. Say someone needs a payday loan, and Bill Gates is going to donate a billion dollars to some charity. Instead, that person gets the loan with no interest or penalties and sets up a payment plan with that charity for the amount. Should create more efficient spending patterns for low-income families, particular those that encounter short-term deficits, while still getting the charities the same amount of money in the long run.

[smeyer]

The charity doesn't get the same amount of money though. Even setting aside the reduced value of getting money in the future instead of now, you're not going to get 100% payments and you have no interest or penalties to make up for it.