I don't think it's necessarily poor financial decision making that leads to payday loans. If you are poor you are unlikely to qualify for a regular loan and you

I don't think it's necessarily poor financial decision making that leads to payday loans. If you are poor you are unlikely to qualify for a regular loan and you might not have family who can lend you the money you need. If you find yourself with a week until payday and £0 in the bank it may be difficult not to consider the option.