Take a look at a problem with the rules of Short Term and Payday Loans ,

Short term and Payday Loans, there are rules which will end the type of borrowing some people really need when they get into a bind there are those who borrow just in case of an emergency, low income who really can not have a good savings so at the end of the month they borrow, the issue is the rules that limit the borrowing to 90 days a year if the rule become a law and most of us do not have credit. People must us the money responsible and managing it must be up to the people. Payday Loans and other short term are legal under the state law. These companies charge a good rate in order to pay it back. And there are those who simply cannot apply for a small loan due to regulations.
Again we need these short term loans. We can act responsible those who can.