Yes, I'm sure that explains everything.

I get that not getting a paycheck can play havoc for people who have no savings or emergency funds stashed away. Hopefully they will reach out to family, churches, and such before falling victim to payday lenders. I've checked some of those outfits out and effective interest on a loan can go over 600% APR when all fees and charges are figured in. I wonder if they bust kneecaps too?