Agreed. Seriously, poor people should be dumpster diving or cruising garage sales for furniture, not buying new. This is just people being stupid with what little money they have, and they get little or no sympathy from me. This is true even though, in general, I support a much stronger safety net and tighter regulation on predatory financial practices like payday loans. The vital difference is between necessity and luxury, and by ignoring that distinction this article is a lovely straw-man argument for mercenary conservatives to latch on to.

Almost all loans that don't feed into some sort of income producing activity are bad loans.

>Normal families have sofas, she says, and you’ll do what it takes to feel normal.