I'm saying that payday loans are bad because there is a better alternative today, yes. We could replace payday loans overnight if the government provided decent

I'm saying that payday loans are bad because there is a better alternative today, yes. We could replace payday loans overnight if the government provided decent welfare. So, that's what we should do. It seems like you agree, so hopefully you are contributing to the political/democratic will to do this. That clearly doesn't apply to the other two cases. I also disagree that "interventions" are necessarily preferable.