This isn't America. Here is season 6 ep01 of an ENTIRE reality show series in England collecting money from people not paying debts [many of them payday loans]. In England they just walk into your home and start taking things. In Dubai they put debtors in prison. Isreal is covered in payday loans.
It’s terrifying how many Europeans come out and defend payday loans and pretend their system where it’s more difficult to declare bankruptcy is somehow better than the US debt system.
https://www.youtube.com/watch?v=n6yBiasqMnM
https://www.detainedindubai.org/post/the-truth-about-leaving...
https://www.jpost.com/special-content/the-fall-of-payday-loa...