So says a wise Virginian in this letter to the editor in the Daily Press.   Mr. Gerald Ross of Hampton says he’s never used a payday loan, but thinks the responsibility for personal financial decisions should be up to the individual, not the government.

The Payday Pundit agrees.  

Having published multiple editorials in support of banning payday lending (including one this morning), the Daily Press has moved on to advocating for the ban of car title loans.

I’d like to ask the Daily Press if there is any form of short-term credit they believe Virginians should have access to.  Maybe the Daily Press should dedicate some of their revenue to a short-term loan program to actually help hard-working Virginians who find themselves short of cash between paydays.  That would be more helpful than advocating for bans on everything.