I was suggesting their claims are bs whether or not they know. It's possible they're literally that out of touch but more likely it's just irrelevant to the greed motivating them to say this.

Payday and micro loans have been a huge issue putting people into poverty for almost a couple decades now. It's a big reason for companies doing credit checks on new hires(also dumb and evil). Though i'm sure it's ramped up in the last several years. All evil built into a system.