Sometimes you get to fulfill your dreams. Sometimes you never knew they were your dreams until the opportunity knocks on your door. Or a headhunter calls out of the blue.

As a society, it would seem logical that we would want drug pushing, loan sharking and corporate influence peddling to stop. At the very least, we could go back to making it against the law.

"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.

When people wanting to get rid of payday lending get organized and vote out a couple of payday lending supporters, the rest of the legislatures will take them seriously.

When 2/3 of the borrowers come from less than 1/5 of the population, it doesn't take a genius to see the business model. Tax refund loan vendors must view the working poor as easy pickings.

McLean and Nocera don't give us an idea as to where to look for angels. But the book is comprehensive, and I feel certain that all the devils are here.

If there was ever a shining example of why you should Move Your Money from Wall Street, legalized loan sharking is a good one.

"Financial Reform" will be a boom for people in the payday loan business. There will be many new customers who need bank-like services. It's almost like Congress implemented a plan of "Reverse Robin Hood."

Despite what the Wall Street Journal says, Broke USA is an even-handed look at the poverty industry. A little even-handedness would have gone a long way in the Wall Street Journal's review.

Desperate people want to believe it's true. They want to believe that there are companies that can easily get rid of their credit card debt. More often than not, they are deeply disappointed.