this post was submitted on 22 May 2026
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I read a book last year on homelessness and one focus was on extended stay hotels. In my own ignorance, I hadn't thought about them being used in place of regular housing. Because people can't qualify for mortgages or pull together a deposit for an apartment, they end up spending so much more paying week to week while having less rights and a less stable community.
After finishing the book, I remember thinking how the US is just perfectly set up to profit from desperate people. I'm really lucky and escaped poverty, but I remember my mom taking payday loans, just the overwhelming worry that came from barely having enough, and the panic attacks I had each semester of college as I cobbled together a means to pay tuition.
Revolving debt is a trap. Don't get caught in it.
It sucks that there's very little alternative option for some people. Sometimes you need to bite the bullet and take on debt. And then you have to repay the debt in addition to daily life, which can easily lead to more debt, and so on and so on indebtfinitely.
Not talking about free debt. I'm big on getting free money when inflation is so high....something I need now, or even want now (and can afford), and 0% offer for same price? Fuck yeah take the 0%. $200 now is worth like $210 within a year. I'd much rather pay $17/mo for a year than pay an extra $10 for the same item next year.
Assuming of course, you can and do pay it on time each month. Don't want to get hit with the deferred interest or you're worse off than you would've started.
I think pay day loans should be illegal. They are so predatory! But I also understand the desperation. If we had a better social support system, it wouldn't be an issue. But then people wouldn't be making as much money. Can't have that.