The citizens of most any neighborhood are good, and hardworking people at heart, but when put in extreme situations without a reasonable solution, they will throw their honesty to the wind. So loaning a hundred dollars to an individual and charging them thirty dollars for the privilege of the loan costs everyone less, as no crimes are committed, and no one will be going to jail for the petty crimes they feel they have to pursue.
Holding a person in prison for a year anywhere in the United States will usually cost the taxpayers about forty to sixty thousand dollars per year. Having the person not go to prison, and paying some high interest in return makes much more sense for the whole economy. In addition, when a payday loan store pops up in a city it creates new jobs that where not present previously.
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