This brings up an interesting ethical question. Let's say for every entrepreneur who stays afloat because of a payday loan, there are two people who don't manage money well and the payday loan sends them spiraling into debt. Do you prevent all three from taking the payday loan option because it has negative consequences for two of them? What if the ratio of people that benefit from payday loans is more like one in ten? One in a hundred? I don't feel justified in legally preventing the entrepreneur from taking an action that helps them just because two or nine or ninety-nine people have the same freedom and make a bad decision. (That doesn't mean I blanket oppose all regulation however.)