I could list the pros and cons of payday loans. I could point out that 2008 has seen such a rise in gas, food, and housing prices that salaries cannot keep pace. I could even go as far as to say that families living paycheck to paycheck sometimes see no other way to pay for emergency expenses than to access a payday loan immediately in order to make ends meet.

I think we are all aware of those things, though. While a payday loan might not be the most conventional way to cover expenses, it is becoming a more common solution. My point is that our government needs to take a closer look at the working poor – not the immigrants, the decidedly destitute and the ultra-rich. There has been a good deal of focus on those subsets of our society of late. The middle class, though, tend to be overlooked.

People who are uninsured or under-insured can be devastated by a hospital bill. Credit cards can only cover so much of your financial burden before you are in too deep. It makes sense that people are turning to quick, easy payday loans. A lot of people want to be able to say they would never use that particular solution, but financial times are tough. Never say never.