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Just because there's a need for something, doesn't mean it should exist.

So your opinion is that people with bad credit who need money should have no way of getting a loan? Why do you think that's better than the current situation?

How many of the people need these loans for food/shelter/health?

I would guess quite a few, if only indirectly.

see https://news.ycombinator.com/item?id=8274762

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