I found myself heavily disagreeing with Current Affairs' take on payday loans; if he endorses the article's opinion, that might be a good start.
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That it's bad that people are poor enough to need them, and it's bad that those people don't have better options. But that given this is true, it's not bad that they exist, and banning them without fixing the conditions that make them necessary would make things worse.
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My hope is that adversarial collaborations route around the need for either party to be perfect or unbiased.
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I'm not sure what you mean. I don't think govt should step in to ban payday loans. I'd be happy if govt stepped in to offer loans better than payday, but suspect they would find this is harder than they think (although possible if subsidized)
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