[NittanyLion]

I would like to see a large sample of people who use these loans,

People with an IQ less than 90

why they use them,

To purchase things they don't need (alcohol, lottery tickets, etc.)

and what alternatives they have.

Thievery

[dfwgator]

Didn’t we learn anything after Prohibition? Someone else is going to step in to provide the service, and they won’t take very kindly to any regulation at all.