“I’m always a little bit skeptical when crusading members of the media or elite activists who don’t share the pigmentation nor the ZIP code of the people they are alleging to save start talking about ‘these people’ being taken advantage of,” Innis said during a spirited debate yesterday at the City Club of Cleveland.

“This feel-good activism can often have the stench of paternalism and a fundamental belief that working-class Americans are incapable of making their own financial decisions.”

The Payday Pundit thinks Niger Innis has summed it up nicely.