There are a lot of 'predatory' lending practices that really only come into play if you're not diligent with your personal finances or if you look at it in terms that the products aren't designed for. So you take out a payday loan to pay your rent, donate plasma for a week or two to make up the interest on the loan or skip meals, and then you pay it off when you can. Yeah you paid an APR of 500% but getting evicted and your shit tossed to the curb is more costly than the 60-80 dollars of origination or interest on a payday loan.