Payday is 15 days away. The only way I can make this payment is if I get an advance from a check-cashing store. So you go to the check-cashing store, and it's no problem. Well, the answer to your question is that you do have a choice. This story is a sign of a bigger problem called poor money-handling skills.
Poor money handling occurs with people at any income level.
But families with low and limited incomes are those most likely to fall prey to check-cashing stores and their exorbitant fees. Low-income families and those living at or around poverty level need to spend every penny wisely. These families can least afford to use their hard-earned money in this manner.