Or they're not consistently making enough money to cover the bare necessities of life despite working full time hours and often more than one job, and have no alternative but to get themselves into a vicious spiral of predatory debt.
Or they're financially impotent, and shouldn't have access to any credit for their own good. Of course to deny stupid people credit then they'd just be shouted down as racist
If we're talking payday loans in extreme circumstances (ie a illness catastrophic injury etc) then it's understandable.
But id wager at least 95% of payday loans are a symptom of someone being a full blown freaking idiot.
People would literally have more disposable income if they made sacrafice and smart decisions for a short period, and stopped taking out these stupid loans sapping their money