[AnnieK]

A lot of people who take these loans have no other option or so they feel. Regular lines of credit are unavailable to them, bills stack up and some people face a choice of heat or eat. It's all very well calling them idiotic, but when you have children and no money to put food on the table as you've paid your gas bill to keep them warm...what would you do?

The woman in the OP has abused them but for some people they are an absolute last resort that they have to take. I would never judge people using these loans as I have been in the situation where I was worried about paying bills and feeding the household...

They should have much tighter sanctions on them but come on people don't judge unless you've lived that life..