Topic: Payday loans should be banned
payday loans are a helpful tool for people requiring cash in an emergency
payday loans are a legal means of lending money in a free enterprise system.  people are not forced to take out these loans, they made free choices and must live with the consequences.
payday loans are a life saver for many people who need to make that bill payment on time.
payday loans are a type of predatory loansharking that preys on people who are already economically disadvantaged
payday loans are a useful tool if a short term loan is needed as long as the user understands the interest rates if they do not pay it back quickly.
payday loans are a useful tool if people find they just need a short term loan, being quicker and easier to arrange than a bank loan.
payday loans are a valid and necessary form of emergency financing for those who are unable to obtain this elsewhere - they work perfectly as long as people understand the rules.
payday loans are a valuable source of short term financing for those in society unable to secure money from banks - banning them would hurt these people most.
payday loans are actually a reasonable way to fix a short term need for cash.
payday loans are aimed at the vulnerable in society with high interest rates they can ill afford.
Payday loans are bad for the economy overall because it takes money that otherwise could have been used constructively by purchasing goods and services and siphons it into non-productive loan payments.
payday loans are crucial financial crutches for customers which should remain available.
payday loans are dangerous in that they train people to live beyond their means.  borrowing against future earnings makes people think they don't need to save.
payday loans are discriminatory. they are only served to poor people at a high rate which perpetuate their continuous poverty
payday loans are evil in that they encourage people on limited income to quickly spiral into debt, meaning they need to borrow more and more and not have enough money for food and heating.
payday loans are exploitative of those in society who are vulnerable and the most in need of protection and good  guidance
Payday loans are good for helping someone get a bill paid when it is due before payday.
payday loans are good for people who have bad credit and need money right away.
payday loans are helpful in an emergency situation where some people have no other option to help them.
Payday loans are helpful to get past a sudden financial situation that happens before you get paid for the week.
payday loans are helpful to some people who otherwise would not have access to cash
payday loans are important to help those is financial distress who have no other options.
payday loans are important to the disadvantaged to make it through the week at times.
payday loans are ineffective and make people go deeper into debt
payday loans are just a crooked way of putting people further into debt in a way that's nearly impossible to recover from.
payday loans are legalized usury and lead families into a debt trap that they can never escape.