There&#x27;s a bit of a Moral Crusade against payday lenders, because the rates they charge are exorbitant and their customers are poor, and people find that shocking. Since they&#x27;re so obviously Bad Guys, then it&#x27;s okay to do things like this to Get Them, right?<p>Never mind that a payday loan may be a much better deal than a late payment on something important (or, for instance, if your car has been towed and is accruing storage fees by the hour). Never mind that the money lent stands a substantial risk of being lost forever and that economic studies find the actual profit margins on loans are often in the ~3.5% range, consistent with many other businesses. No, there&#x27;s <i>prima facie</i> evidence that this is EVIL USURY; burn it with fire.