"Financial reform" is a boon for people in the payday loan business. When people fall out of the world of traditional banking, they are still going to need bank-like services. Payday lenders will be in position to fill the gap.
Gary Rivlan notes in his book, Broke USA, "the working poor have become big business." You wouldn't think that poor people would be a growth market, but businesses make big money off people who live paycheck to paycheck.
My solution to gambling addiction would be same one that seems to be helping keep track of sexual predators: A national registry. If widely shared, such a list could prevent addicts from any legalized gambling.