The point is that it's for people that are living hand to mouth. They're not saving a cent, living constantly on the brink. For them it makes a huge difference

The point is that it's for people that are living hand to mouth. They're not saving a cent, living constantly on the brink. For them it makes a huge difference to get paid a few days earlier. But this is also why even free payday loans seem to me like a very bad long term idea - if you are living that close to the edge, how will you ever be able to get out of debt?