"Usury Maps" Show Hypocrisy of Many "Christian Conservative" Pols

Posted February 16, 2008 | 05:09 PM (EST)



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2008-02-16-con_paydaylendermaps_google.jpg

For decades now, I have been struck with a glaring inconsistency (some would call it hypocrisy) in the "pro-family," "pro-life" stances of so many self-defined conservative politicians.

They are against abortion and for "family values," but guess what. After the child is born, and the cohesiveness of individual families is threatened by the economic greed and fine print of corporations and financial institutions, then it is that too many of these same politicians refuse to pass laws that would help these people.

One glaring example presents itself in this overlay map from The Consumerist website.

The graphic is from a study published on the University of Utah Law School website by its authors, University of Utah law professor Christopher Peterson, and Steven M. Graves, an associate professor of geography at California State University, Northridge.

The study is summarized by Barry Scholl, who writes this on the page I just linked you to:

"We started this project hoping to find out more about the spatial location of payday lenders and were surprised when a pattern reflecting a correlation with the American Bible Belt and Mormon Mountain West emerged," said Peterson, who conducted the research and coauthored the article with "The natural hypothesis would be to assume that given Biblical condemnation of usury there would be aggressive regulation and less demand for payday loans in these states, but ironically, the numbers show the opposite is true. It's sad that states with a pious and honorable religious heritage now disproportionately host predatory lenders."

It seems as though the states with the weakest, or non-existent laws against the type of usury often offered by predatory payday loan lenders are also among the most traditionally- and let's call a "spade a spade" Christian conservative/Mormon conservative, church attending, conservative-voting pious. In fact, if you look at these two maps, you will see a high degree of correlation between piety and states where payday loan usury is statutorily tolerated.

In my mind, when a family in an economic rough patch has to pay 500% interest on a payday loan, or gets foreclosed upon, that creates threats to marriage far, far more than any two guys getting hitched at the county courthouse does. In fact the latter presents no threat at all.

Why is this? Is it because so many conservative politicians are really more motivated by corporate donors than the Bible they profess adherence to?

A Bible that, incidentally, that says:

35 ' If one of your brethren becomes poor, and falls into poverty among you, then you shall help him, like a stranger or a sojourner, that he may live with you.
36 'Take no usury or interest from him; but fear your God, that your brother may live with you.
37 'You shall not lend him your money for usury, nor lend him your food at a profit. (Leviticus 25:35-37)

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- lendmeyourvag See Profile I'm a Fan of lendmeyourvag permalink

Wait, I'm confused. Don't we advocate the separation of church and state? Now you're criticizing Christian conservatives for not applying biblical laws in their base states to payday lending. I guess this map would make more sense to you if these states outlaw everything but good Christians. They also outlaw slavery in these states, while the bible clearly sets guidelines to allow it. Should we hold them to fixing that too?

    Favorite    Flag as abusive Posted 01:14 PM on 02/21/2008
- smchris See Profile I'm a Fan of smchris permalink

Nice maps. Like my freshman college physics prof said, the raw data appears as a scattergram and the significance is always a probability. Sure, there _are_ payday lenders in the most secular states but eyeballing the map is enough to tell that the clustering is clearly in the so-called "Christian" states.

    Favorite    Flag as abusive Posted 11:24 PM on 02/17/2008
- Desiderata See Profile I'm a Fan of Desiderata permalink

My father often warned me to stay clear of any business that has a sign quoting scripture out front. He said they will rip you off many ways to sunday__more so than any other business.

Come to think of it, churches all have such signs.

    Favorite    Flag as abusive Posted 12:17 PM on 02/17/2008
- jfor See Profile I'm a Fan of jfor permalink

Hey Christians need loans, christians need liquor, christians need porn, christians need drugs and America needs more prisons for all these fallen christians. Thats the reality of a christian nation.

    Favorite    Flag as abusive Posted 08:25 AM on 02/17/2008
- tbone99 See Profile I'm a Fan of tbone99 permalink

Oh and of course, christians need italian suit wearing tv evangelists!

    Favorite    Flag as abusive Posted 03:41 PM on 02/17/2008
- realitytrumpsbull See Profile I'm a Fan of realitytrumpsbull permalink

Karl Rove, co-founder of IG BushCo and the Global Larceny Network, said in a press release today...

They need to institute some SERIOUS banking reform laws...this is run-amok fiscal idiocy...
but, evil dies hard, and fights like mad when you cut off its' food supply...Harriman and Hitler...fiscal lebensraum...

    Favorite    Flag as abusive Posted 03:18 AM on 02/17/2008
- oldpotsmuggler See Profile I'm a Fan of oldpotsmuggler permalink

In Utah the government has a monoploy on liquor sales. In Salt Lake County, with a million people there are 17 "package stores", 19 if you count two outlets that specialize in wine.

The Yellow pages show eight pages of entries for the various companies that will do cash advance type loans. Needless to say the local Mormon majority could regulate consumer lending as heavily as it does alcohol sales if it felt some sort of a moral imperative to extend a little help to cash strapped folks.

    Favorite    Flag as abusive Posted 11:33 PM on 02/16/2008
- MamaBird62 See Profile I'm a Fan of MamaBird62 permalink

Something stinks with this map. It shows Washington state as having the same "Christian political power" rank as Virginia. Are you kidding me? I've lived in both places and Washington is very secular, very few church goers here on either side of the Cascades. That's a definite error. Don't know if the rest of the info is valid, but the distribution of payday lenders in the Western half of the country seems to line up exactly where the towns and cities are, no surprise there. Not exactly a Mormon conspiracy. The East coast side of the map may actually show something.

    Favorite    Flag as abusive Posted 10:44 PM on 02/16/2008
- FearlessFreep See Profile I'm a Fan of FearlessFreep permalink

That's the true face of neoconservatism. Thank you, Ronald Reagan.

    Favorite    Flag as abusive Posted 10:27 PM on 02/16/2008
- darker See Profile I'm a Fan of darker permalink

Many dozens of Republican "stink tanks"
since 1970's paid rightwing "thinkers", writers, psychologists to create media manipulations to demonize certain words, ideas, American values and replace these with falsehoods and "new meanings" that PROFIT THE RICH AND RICHER.

They made DEALS with corrupt "reverends" to capture their faithful as a MINDLESS VOTING BLOCK that does what it is told.

Americans let these crooks GET AWAY WITH IT because they do not TAKE TIME TO THINK about who profits from such LIES.

As a result, America has become THE NANNY STATE FOR THE RICH & CORRUPT CORPORATE WELFARE QUEENS.

Wake up, people! Make YOUR VOTE count in the next election. GET THE CORRUPT RIGHTWING BUMS OUT. We do not need to be robbed any longer for THEIR ENRICHMENT!

    Favorite    Flag as abusive Posted 10:12 PM on 02/16/2008
- revwilliam See Profile I'm a Fan of revwilliam permalink

Religion is a symptom of mental illness.
Once that is recognized we can stop waiting for these nuts to be logical or rational.

    Favorite    Flag as abusive Posted 09:36 PM on 02/16/2008
- desmirl See Profile I'm a Fan of desmirl permalink

If you think Evangelicals are Christians, I've got a bridge in Brooklyn that's a steal. The word for these people is 'Pharisee' because they love to build enormous churches, pray loudly on the street corners, dress in their finery on Sunday, present themselves as the cornerstones of the community--and then cheat you out of your sox if you should be so foolish as to trust them in a business deal. Beware....

    Favorite    Flag as abusive Posted 08:00 PM on 02/16/2008
- chin075 See Profile I'm a Fan of chin075 permalink

Yes, the so-called Christians of this country and this world are sadly more like brain-washed sheep than anything resembling a true follower of Christ (whatever that might mean). I would think that unconditional love and "you are your brother's keeper" would be part of that Christian philosophy but we're not talking about spiritual human beings here. Maybe petty, fearful, small-minded apes that talk...

    Favorite    Flag as abusive Posted 11:04 PM on 02/16/2008
- Quaoar See Profile I'm a Fan of Quaoar permalink

This is an interesting comparison. However, it would be more interesting if it corrected for population density. A lot of the western states have a majority of the population concentrated into relatively small areas, making it look at a glance like there are relatively few payday lenders when quite the opposite is true.

    Favorite    Flag as abusive Posted 07:16 PM on 02/16/2008
- wheresthebeef See Profile I'm a Fan of wheresthebeef permalink

Pro-life/pro-death penalty Christian conservatives are hypocrites? Gee..ya think?

    Favorite    Flag as abusive Posted 07:08 PM on 02/16/2008
- jgravatt See Profile I'm a Fan of jgravatt permalink

There is no hypocrisy in believing that INNOCENT fetuses have a right to live and that GUILTY murders have forfeited their right to life. Capital punishment is in the Bible after all.

The real hypocrisy is being pro-choice when it comes to abortion and killing innocent fetuses, but being against the death penalty and letting the scum of society live after they commit heinous crimes.

People can certainly disagree on these issues but for you to sit there and call pro-lifers hypocrites if they are for the death penatly shows your hubris and your ignorance. Sadly, this is all too common with liberals.

    Favorite    Flag as abusive Posted 05:59 PM on 02/17/2008
- Sciguy See Profile I'm a Fan of Sciguy permalink

A fetus can be "innocent" no more than a mole, a liver, or a toe can be "innocent." A fetus simply isn't a human being. It may look like a person, but so does a good sculpture - and the sculpture isn't a human being, either.

As for capital punishment being in the bible - should we stone people to death? If this is what you consider to be grown-up behaviour - or good old christian love - then perhaps you should move to the Middle East, where a man (not a woman!!) was recently stoned to death for adultery (I'm too lazy to look up the reference).

    Favorite    Flag as abusive Posted 07:40 PM on 02/18/2008
- RumiSouth See Profile I'm a Fan of RumiSouth permalink

I can't count the Payday lenders and Title Loan places that have popped up in my little Alabama town over the last ten years. They're the fastest-growing economic sector around here.

And just three years ago, our surprisingly-progressive Republican governor tried to update the state tax code...only to meet opposition from the state Christian Coalition.

Oddly enough ,the national CC was in favor of Riley's legislation. At least someone out there was being consistent with their values...but not Alabama wingnuts, oh no.

    Favorite    Flag as abusive Posted 06:52 PM on 02/16/2008
- MsLiz See Profile I'm a Fan of MsLiz permalink

Howdy, neighbor, from a suburb south of Birmingham. Riley is a surprise, isn't he? I even voted for him the second time, shock of shocks.

    Favorite    Flag as abusive Posted 10:25 PM on 02/16/2008
- Sciguy See Profile I'm a Fan of Sciguy permalink

Interesting, but one must remember that correlation does not equal causation.

That said... it sure is one helluva correlation, ain't it?

    Favorite    Flag as abusive Posted 06:40 PM on 02/16/2008
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