It’s also a hell of a lot easier to take advantage of them, given they generally lack the education or resources to protect themselves from predatory businesses. I struggle to think of McDonald’s as “helping” poor people. It’s putting food in their mouths, yes, but if McDonald’s were more concerned with the health and financial wellbeing of their customers as opposed to exploiting psychology to get as many people to impulse buy as much junk food as possible it would be an incredibly different company.
The goal of a company is not “help” its customers, the goal of a company is to exploit any and every untapped source of wealth. If it can do that by hurting someone who doesn’t know better, it is going to.
Payday loans may "solve a problem" but they do it in a predatory and exploitative way.
Panera Bread gross revenue $2.8B, McDonalds gross revenue $22.8B
Nordstrom gross revenue $14.4B, Walmart gross revenue $500.3B
Payday loan revenue in the rich burbs roughly-zero, Payday loan revenue nation wide mysteriously between $6B and $46B depending on data source
Now can you get a cool and trendy very high social status hipster job to brag about on social media in the coolest office with only the best "personality fit" coworkers helping poor people, oh heck no you'd be savaged here if you admitted to working for McD, but the market of poor people products, at least in some areas of business, is about ten times as large as rich people products.