No, my argument is that not every use of x constitutes immediate, severe need, so the consequences of banning x would not necessarily be to drive all service users of x straight into the arms of loan sharks.

Further to that, my argument is that for people who are in such severe need that they would then turn to loan sharks, there is probably a better solution out there that we as a society should be looking into, than usurious payday lenders.

At no point was my argument anything close to “ban X because X can be used in an illegal way"