On a semi related note I was headed to a grocery store Saturday morning, all business are closed or take out and passed a strip center that the parking lot was PACKED.
I was looking to see what was open, it was a TitleMax and there must have been close to 600-700 cars parked around it.
It completely filled the parking lot.
.
The main junk mail I get now is debt consolidation offers. Lots of 'em. I have a lifetime of good credit behind me (and relatively few years before my working life ends, if I mind my p's and q's), and the strategy when banks get in too deep (as they did around here when that fraudster basically ponzi'ed their asses with loans for fake boats and cars and such) right about the time the McMansion trend in this part of Michigan leveled off and trended down (a couple, both working, builds a grand house on some kind of waterfront, lives there a few years, then gets divorced, or one loses a job) is to write a lot of small loans to people like me. I went to a branch to get a roll of quarters during that period, got pulled into a loan office, and walked out with a home equity loan.