I don't know if it would be just as prevalent, maybe not but I don't think the criminals are going to pass up a proven market opportunity so I think loansharkin

I don't know if it would be just as prevalent, maybe not but I don't think the criminals are going to pass up a proven market opportunity so I think loansharking would increase from where it is now. I do think that for the people who use payday loans today, if they didn't have the option legally, then life for them could be worse overall either by having to deal with loansharks and/or because they end up in some pit that could have been avoided if they had the legal loan option.