There has been much debate concerning the ethics and practices of payday loan companies, both in the public and private sector. Opponents and proponents square off in a battle of ethics, laws and responsibility. Lenders point out that payday loans"level the playing field"to a degree, because traditional lending unfairly excludes those who often need the least amount of money the most. : http://ezinearticles.com/?Payday-Loans-Ethics-And-Responsibility&id=1018513