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[–] OneNutWonder 2 points -2 points (+0|-2) ago 

Wasn't there a John Oliver episode about these? They seem very bad.

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[–] daskapitalist 0 points 1 point (+1|-0) ago 

Bad is subjective. They're bad compared to other credit sources, but if someone has access to other options why would they use them? It's like saying walking five miles to work each day is "bad", but if you don't have transportation it's better to choose the unpleasant option than to have the government ban walking to work.