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I can't get through at the moment <a href=" http://blogsadmin.com/blogging/payday-loans-hour/#destroyer ">how to pay off payday loans</a> This article is biased in the most short-sighted way. Fraud is rampant and was not kept in check for a very long time. It makes sense to crack down on it hard. Also, centralisation and state control of all operations must be encouraged. It is a long, arduous process, but well worth the payoff if done correctly. It may be slow, but most certainly the system will benefit in the long term, and in theory so could all citizens.