I was curious about the markets you described--mortgage and payday. You're right about mortgages being a huge market($10.3 trillion in mortgage debt). [0] Payd

I was curious about the markets you described--mortgage and payday. You're right about mortgages being a huge market($10.3 trillion in mortgage debt). [0] Payday loans: > In fact, U.S. consumers borrow almost $90 billion every year in short-term, small-dollar loans that typically range from $300 to $5,000, according to a 2018 report from the Office of the Comptroller of the Currency (OCC). [1] > “Right now, 80 percent of payday loans are taken out within two weeks of a previous payday loan.” [1] Much smaller by comparison, but yeah, the moral context is still there and it's egregious. [0] https://www.magnifymoney.com/blog/mortgage/u-s-mortgage-market-statistics-2018/ https://www.magnifymoney.com/blog/mortgage/u-s-mortgage-mark... [1] https://www.bloomberg.com/news/articles/2019-02-14/expensive-loans-to-desperate-people-built-this-90-billion-industry https://www.bloomberg.com/news/articles/2019-02-14/expensive...