That would be Martha Linton, who has a terrific guest opinion piece today in the State Newspaper of South Carolina.  From the piece:

Several years ago, unforeseen family responsibilities sometimes required me to spend more money than I had at that moment. The banks would not tailor a small loan to meet my immediate need. I found out the hard way that credit cards and other “easy loan” offers are rip-offs with high interest rates and extra fees.

So I started doing business with payday lenders, by borrowing what I needed to get me to the next payday, a situation I never dreamed I would face.

I did not borrow more than I needed, and I always paid back the money. The transaction was simple and the terms understandable.

Thankfully, the responsibilities that required me to get short-term loans have passed, and I no longer am a regular customer, though I recently had to take out another loan, and I reserve the right to do so again if I choose.

The Payday Pundit doesn’t understand why lawmakers listen to out-of-touch fringe groups instead of hardworking, smart citizens like Martha Linton.