When you’ve got rent to pay and mouths to feed, and paychecks dont arrive for another week (or more), sometimes it’s a necessity. And when emergencies arrive (as happens more and more often) people at this financial level generally dont have the “rainy day” fund to lean on.

This is not exclusively a personal issue, it is mainly a systemic one. Sure, many people could do with some better financial literacy and personal responsibility… but that’s nowhere near the epidemic of parasitic opportunists eager to squeeze dry every person they can. The desperate being the easiest to exploit, in most cases.