An AARP representative argues for payday lending reform in The El Paso Times. The author uses the old cliche of payday lenders “preying” on customers, but then says consumers seek out lenders.

These loan businesses are booming, buoyed by the fact that middle-class households are increasingly living paycheck-to-paycheck. A slip here or there and they too find themselves knocking on lenders’ doors.

Whose door should they knock on? I guess they could get an AARP credit card if they qualify and don’t mind paying the myriad of credit card fees. Hmmm … no mention of that.