Clueless mistamca - How many gig workers- freelancers, hospitality people that take their pay checks to a check
cashing establishment and pay 10% to cash their checks?

Why does the Payday Loan Industry exist? The person needs immediate funds to pay that utility bill, auto repair, and so forth.
At times it makes a whole world of difference of having those funds in seconds -

I have a fast-food chain that promotes work today - get paid today !!