The Parrot obviously believes that government should make decisions for people.  This seems strange coming from a Armed Forces veteran, given that his service is allegedly to defend the rights of our citizens.  Instead, he seems to favor a more Fascist style of government where people’c choices are ripped away from them by government.  Of course, there are no alternatives to payday loans that are equally or less expensive.  If there were, people would obviously choose a less expensive option.