On the other hand, consumers look for money at short notice without hassles. They are looking for the cash to cover a short term need, and are willing to pay the price. Payday loan are the only means for some people to access cash quickly for emergency situations. In many instances people can get cash the same day they apply for it. No, instead, they choose to spend enormous time and effort to kill the product using unfair competition via a government-sponsored public option, while trying to get the traditional version banned by legislators. And when can we, as consumers, be trusted by government to handle our own affairs without their interference.