Are payday loans evil?

Not according to the people who want them - so does that make the regulators who want to take away their free choice evil? (Freakonomics)

If we take an objective look at the folks who use payday lending, what we find is that most users of the product are very satisfied with the product. Survey results show that almost 90 percent of users of the product say that they’re either somewhat satisfied or very satisfied with the product afterwards.