Until you have been faced with piles of once upon a time manageable bills, that now are a every day priority challenge as to who to pay. Any relief is welcome, quick background, laid off after several years, upper 50's in age making a good income then like so many others bang. Then you miss a payment on the credit card bang a 24% increase, even if you are good in paying they hike the interest rate you-why because of the new regulations coming from DC. Get overdrawn on your checking bang $35. fee, thank you very much from the miss managed banking industry. So when you need to avoid an overdraft fee or an increase in your interest rates or just to get that car you need to find a job fixed, yes these services are helpful. If regulation are required to prevent the abuse of the fee base loans, because they can be abused. Then the state should look into regulating the lottery, more unemployment check monies go to purchasing the lottery ticket than are used for a fee based loan. That's my 1 cent worth, the economy took the other 1 cent.