The solution is not to educate people to starve or go homeless instead of taking loans. It's to ensure that nobody is placed in a position where they're stuck b

The solution is not to educate people to starve or go homeless instead of taking loans. It's to ensure that nobody is placed in a position where they're stuck between starving/going homeless/etc and taking out a payday loan. If the current system is not ensuring that, what changes would ensure it? That's the question.