These "poor people" can't get regular bank accounts so they have no way to cash paychecks They don't go to a payday loan to cash a check. They go there to get

These "poor people" can't get regular bank accounts so they have no way to cash paychecks They don't go to a payday loan to cash a check. They go there to get a LOAN. It's a cash-advance so they can pay some bill out of desperation, like their rent or something like that. Wal-mart cashes a check for $3.