I don't know that most people would specifically call a legit payday loan a scam. Perhaps just a really bad practice that is legal. I do however call into ques

I don't know that most people would specifically call a legit payday loan a scam. Perhaps just a really bad practice that is legal. I do however call into question the selling the term "microfinance" and its "mission to help" a scam against the people that backed it. Sure.