It sounds like a big part of the target market for this is people who are living paycheck to paycheck, but those are exactly the people who should not use it.

It sounds like a big part of the target market for this is people who are living paycheck to paycheck, but those are exactly the people who should not use it. The less disposable income you have, the more careful you need to be about not exceeding it, because if you do it can be very difficult (not merely inconvenient) to dig yourself out of that hole.