Payday lending Services should be banned

Addressing the counter plan argument 1.He shows why regulations are applicable to the round under counter plan for no reason. I clearly stated that I am fine with the regulation argument. 2.His argument that other debates specify they don"t want contour plans and specify they do want plans. I actually clicked the links he provided and hose debaters specify no counter plans because they pretty much said "hey we are running a LD debate round," therefor they had to state no contour plans since in LD counter plans are used. I didn"t frame this like a LD, Policy, or congress round at all. The 2nd example the guy clearly defines "ought" which is defined in LD debate rounds and not PF or the regular debate rounds hosted on the site. Also my opponent contradicts himself by showing the debates that clearly accept plans. That's what I have been trying to tell you the whole time. That if I wanted plans in this debate I would have invited them in, and if I was running a LD debate I would have stated I don't want plans since those plans are common in that form of debate. 3.The whole congress thing First of all advice for my viewers, don't ever go into a debate without understanding something because it can lead to a debate where 90% of the time is spent debating a counterplan. If you are unsure what type of round this is you should have asked. Now moving on to what you stated I clearly said "I debated this topic maybe 6-7 months ago and it was mostly one sided. The few who were actully against this method had an argument but it was confusing and all over the place. Also none of these people moved to the next round in my event (congress). Any individual of any age can read this and conclude that this statement doesn"t imply anything. This statement isn"t a philosophical question or a theory, there is no room for interpretation it"s simply a statement. I debated this in congress, the end. 4.How congress debate works So in congress there"s a bunch of individuals in one room or "chamber". There is a set of topics that are up for debate on the board. The author if the bill typically speaks first and then there"s a response and the cycle repeats itself 3 times, someone defending the bill and then someone attacking it. The bill is already written and structured on how it will work. Go here to see what the bills look like http://txfa.weebly.com... In conclusion as you can see you can"t have a congress debate on this site. IT takes multiple individuals and multiple topics. Sure you could debate just one person but I would have to have a bill or resolution written out which usually is made up and involves properties like my opponent had for his plan clearly laid out. However obviously I didn"t do this or present any bill or resolution of any kind. Next congress is a speaking event, it cant be done online because typically a good congress debater only looks at his information if at all about 3 times for maybe a source here and there. A lot of speeches from good congress debaters are done memorized and you usually expound on a point. It's not like other events where you just read your case full of evidence only and then debate on it. Evidence isn"t heavily used in a case like we obviously used heavily in this debate, thus this obviously isn"t a congress round. Now of course my opponent will probably try to back up his counter plan again and claim this is a congress round on the final round since he has no choice but consider what I stated, and hey I have actually debated this event and understand how it works. Lastly I realize this contour plan is made up of 2 different plans I looked this up after all. However again it"s made up and made up plans are only done in the 3 forms of debate I mentioned many times now, especially congress. I can't combine he patriot act and some other terrorism policy just for the lols. Lastly he ask me to provide proof his plan isn't real but I can't provide proof of something that doesn't exist. I can't find proof that unicorns don't exist because they don't exist. If something doesn't exist it simply can't be found. Thus his counterplan isn"t applicable to the round and falls. BUSINESS CONFIDENCE: Most of this is backed up by his framework which I addressed however now he try's to use the utilitarian ideology I presented so I will address that. He claims that my side isn't presenting how it will save lives but neither does his, also I am not advocating I can prevent people from dying I am just advocating if we remove pay day lending services as choice people will be able to improve there quality of lives by not falling into this cycle of debt by extending the initial short term loans for much longer periods, and paying extra fees and high interest rates over long periods of time. Many times the consumers can't ever get out of that initial debt which leads to a cycle of debt. I agree with him that the perseveration of life is needed for existence but payday lenders make good profit is by imposing high interest rates in order to leave the consumer in a cycle of debt in which a person spends the rest of his life attempting to pay back. This is detrimental as we can see to the preservation of life. I am showing that since pay day lenders are unethical people who purposely put people in debt and wrongly use bribe the criminal justice system which he concedes to, they don't deserve the preservation of life as much as the innocent people they harm. Iam not only showing that we will save individuals by preventing them from entering this cycle of debt but I am also showing that they deserve preservation more then the pay day lenders since they are not committing bad actions. Also there's online alternatives similar to pay day lending services where pay day lenders can find work anyway which my opponent concedes to. Thus using the utilitarian concept again since MORE people will be hurt if pay day lending continues then if it doesn't this should be banned to save the majority. I also win the morally wrong argument since I clearly show how pay day lending hurts individuals it should be banned. WE can also look to http://www.huffingtonpost.com... that clearly shows a story of person named Taylor who worked full time but still couldn't pay off the loans and even had to write checks for him and his mother to get groceries. Here's another story http://milwaukeenns.org... Als I have shown on the national, state, and even individual scale that this practice is morally wrong and shouldn't be kept. Also he claims that there is corruptness in the justice system in that area but Texas is a big area, trust me I live there. Desperation= 10% interest isn't as high as more then 10 times the amount of a typical rate on a credit card. And credit card interest are high enough. Also In the end payday loans are just short term loans with high interest rates with quick return policy. Installment loans are much better in this case, their interest rate is relatively lower and one doesn't have to return it as soon as they have to in payday loans. https://www.prosper.com... according to http://time.com...... from a time money article on the same database as his this method of installment loans is actually the best method to utilize to improve credit for 2016. Also I don't concede that my alternatives are not solutions to an emergency. I just admit that installment loans only require certain conditions but in the long run they are better and don't manifest a cycle of debt. he makes another argument on my installment loans "he unethical payday lenders would go into the installment loan business and act unethically there too, charging customers unfairly high rates which customers would have to accept because they can't get payday loans anymore." Not only does he concede that they are unethical and harm individuals again but also I can disprove this statement. High school drop outs can go to Starbucks and become good managers https://thebillfold.com.... A new environment with different beliefs can transform the individual. Even if not you can't break rules. Faith based organizations= He attacks this by claiming since some churches are for profit they will not give these loans. That isn't true in fact a lot of churches participate in NGOS which of course cost more then loans do. http://www.lifespirit.org... Autonomy: People are persuaded into pay day lending. They are unaware of the consequences which I clearly show in the articles I present on individuals. Conclusion: I won since I defended every argument I made and attacked every response/argument he has presented. Not to mention his proposed congress like plan as well.