CFSA’s Rebecca Adler has a great letter in Tulsa World: 

Moreover, 41 percent of payday advance customers earn between $25,000 and $50,000; while 39 percent report incomes of $40,000 or more. Therefore, the industry doesn’t “thrive” on the poor. In such an economy, the majority of working Americans are living paycheck to paycheck and need payday loans to absorb unexpected expenses. That’s why they often use payday advance more than once a year. In fact, many bounce checks and use overdraft protection at a much higher frequency than the rate at which they use payday loans. Limiting their use only drives consumers to more expensive and less desirable alternatives.