Sure, but it almost seems like you are justifying predatory behavior. When people are really desperate they'll do anything to survive, and providing a 14000% loan to people feels like you're just exploiting people's survivalist instincts.

Also, a lot of these payday loans are just flat-out illegal. If you look up usury laws in the US, they typically cap interest at somewhere around ~25% per year[1], and the highest I could find was on the order of 400% per year [2]. I didn't check every state so it's possible there are some that don't have any caps, but my point is that very often these payday loans are literally breaking the law by charging absurd interest rates.

[1] https://paydayloaninfo.org/state-information/40 [2] https://paydayloaninfo.org/state-information/17