I think Wonga and their ilk highlight a problem that is often brushed under the carpet by many as it suits their agenda. Some people want to shout at the big company ripping off the poor hard done by good people. The hard working, downtrodden good people who we should all support and help whenever we can, usually by taxing people more so we can help them, especially those fat cats etc. That of course neatly avoids confronting the fact and it is a fact, that vast swathes of our nation are unwilling to accept that they have a personal responsibility to spend appropriately for their income levels. To plan ahead, to think worst case, to ensure they set a level of expectancy that is realistic and don't strive to be something their income simply doesn't support. These companies are not sustained by food bills. They are sustained by shiny new TV's, shiny new computers, shiny new phones, holidays, satellite TV, car payments, betting payments and various other things that frankly people could do without. Let's not lose site of this fact when we open up our cans of whoop ass on these types of companies.
Let's not pretend that the likes of Wonga exist so that poor sad bread line single mums can put food on the table for her child for that simply isn't the reason vast swathes of people use these types of business. I am no supporter of such companies either, I know that they prey on a demographic to support their business model but that is one side of the debate and it takes two to cause a problem. The drug taker and the dealer and for me one goes out of business when the addicts stop. We can't remove personal responsibility from the equation but in my 51 years I have seen this element getting sidelined, people instead seeking to move the debate to the dealers. Stop the addiction and the dealers will go out of business, don't make the argument "why should I stop, I likes me drugs".
