Student loans
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Not so much for the poor, but yeah.
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those hurt most by student loans are often poor kids who often get marketed into wrong private programs, or can't keep steady towards a 4 year deg because of finanical difficulty and then make no more HS grad but debt crushed them, gives not future opportunities.
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Sub prime auto lending is also some seriously terrible for people who don’t understand it
End of conversation
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Over-draft charges and minimum balances are the literal worst. With how cheap computation power is, there is no reason they should exist any more.
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Pay day loans are exhibit A in this web of burdens
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Opinion on day-fines?
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If I could change just one, I’d probably go w/postal banking (aka “FOAD payday lenders...) as you could generate a LOT of second order effects that improve lives all over the country.
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The federal government gets all the attention but so much of the "ruin in a nation" is at the local level...
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