Earlier quoted context omitted.
I think being really broke greatly hinders your ability to think rationally. I never committed any violent crimes, but I know throughout most of 2016 I was really really broke (about $15,000 credit card debt, 3 months of unpaid rent, a lawsuit from my landlord for the back rent). In the process I debated reaching out to one of those payday loan places, despite the fact that I knew they were scams. My desperate brain…
> In the process I debated reaching out to one of those payday loan places, despite the fact that I knew they were scams. Because they're not, the idea that they are is paternalistic bullshit from the kind of people who get their news from John Oliver. Debt can be dangerous, and payday loans are commensurately more so due to their high rates. But debt is a _tool_, and just like middle- and upper-income folks can use…
That's not using debt as a 'tool', that is weaponizing it against those can't fend for themselves.