You are confusing facts with excuses. I have excused nothing. I have merely pointed out that ignorance and stupidity, on any given day, are far more dangerous than evil. Real "evil," thank goodness, is relatively rare in this world, while stupidity is a lot like hydrogen. Evil is, to give a "for instance" that doesn't violate Godwin's Law, is Idi Amin Dada. Bob Stefanowski, while tall, which is about the best thing I can say about him, doesn't remotely rise to that level. He is a lender, not a loan shark. He doesn't use force to make loans, he doesn't use force to collect loans, he simply complies with the laws regulating his industry in this state -- laws that the politicians who claim he is "evil" have the power to correct / fix. Why don't they? If you truly believes he is "evil," then those politicians, to be frank, are complicit... or, as Burke would say, all that is required for Bob to be evil is the so-called good men who decry his business to do *EXACTLY* what they are doing... nothing.

Payday loans are the last refuge of the desperate, right up there with the lottery as a retirement scheme and playing day-trader with cash advances from your credit cards... (Yes, I had to explain that to someone some years ago, before the last housing bubble burst). That doesn't make them evil. Stupid as all hell, yes, but evil requires something more... it requires malice / malevolence... something more than plain, old-fashioned apathy and greed.

Quit pounding your shoe on the table.