The predatory part is how they are marketed to people who have no ability to pay them back, not that they exist as a product at all. If they stuck to offering t

The predatory part is how they are marketed to people who have no ability to pay them back, not that they exist as a product at all. If they stuck to offering them to people with steady reliable income that just need a hand out of a hole, no one would have much of a problem with them.