Any sort of advocacy for these services or against them should be followed through with empirical data showing the outcome with them existing, after a year, and

Any sort of advocacy for these services or against them should be followed through with empirical data showing the outcome with them existing, after a year, and potential outcomes if they did not exist at all. Using data from the real world. I think you would find that on an individual level if people did not have the option, the amount of damage done to themselves financially would be less. In any case heavy regulation and monitoring of both the services and the users of the services, as in keeping a full record of their finances for future analysis should be mandatory... so we can get the best policy implemented in regulating these services. Instead of the arm-chair intuitive understandings of the problems jaded by appeals to emotion and dogma whether capitalist or socialist.