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Most people would do anything to avoid taking loans. They say that they would be worried that they might not be able to pay the money back in the future. Anything can happen, and they can finally become insolvent. They are also quire suspicious about unclear rules and all those small print tricks. Of course, these are their prejudices and that does not mean that Payday lenders would really cheat them. Let"s think for a minute, loan companies are taking a risk too every time they lend money to their customers. After all, they never know if the person will give the money back. Eventually, they would be able to get it in a way, but sometimes it just requires taking additional steps, which can be not only unpleasant but also expensive. They might lose their time, money and patience. This is especially true if they lend cash to people who had had financial trouble or who had failed to pay back a loan in the past. I"m not trying to say that they will do the same thing this time, of course, but from the point of view of most payday lenders, this is a risky decision and they have to be careful, demand assets and consider the applications with due care. As you can see, it"s all about money, and taking out a loan is not only a customer"s problem.