Please don't cross into personal attack. It's against the site guidelines and makes threads worse. Your comment would be just fine without the first sentence*.

https://news.ycombinator.com/newsguidelines.html

* well, the guidelines do also ask not to use allcaps for emphasis, but that's minor

The reason why payday loans are allowed is that just like with drugs - outlawing them doesn't mean people don't seek them out. It's better to have access to a legal and well regulated payday lender business, rather than letting people borrow money from the "pay us back or else" kind. And they absolutely will, desperate people will seek out desperate solutions.

Please don't break the site guidelines like this, regardless of how badly you were provoked or feel you were. It just sends the threads into a hellish spiral.

https://news.ycombinator.com/newsguidelines.html

Fair enough, and I apologize