Well, it's not uncommon for poorer people to see payday loans as a bandaid. I took some out in my twenties and everyone in my family has at one point. I'm now in a position that I'd never need one but they're not targeted at people with money. Which should tell the public how absolutely predatory they are.

The credit system is a game to get you stuck constantly paying for things you'll never afford. When I had no debt settled my student loans, and paid off my car, my CS was 630. Now I have 20 K of CC debt, a car loan, and a mortgage, and my score has never been higher.

It's a bullshit system, and now that I have a house, I'm going to clean all that up and go back to never spending on credit again.