under the counter culture

where the black economy thrives
where cash is king and receipts are air
nothing is written but consequences are there
a payday loan @high interest may be seen as a bridging loan
to cover temporary lack of liquidity
Micro-credit for investment often more successful
because it encourages production rather than subsidizing consumption
Controls will always be sought by governments
Underground economies will always supply an Underworld
Those with bad credit,no assets,reliant upon low income
take a high risk with high interest personal loans.Sometimes this works
Sometimes a body in the river needs a pauper's funeral