The New York Times, being the cesspool of liberalism that it is, has no called for a nation wide ban on all payday loans. Always such a bastion of impressive journalism, it's good to see publication who should be doing nothing but report facts shouting out their political agendas.

"Payday loans — advances that are to be repaid on payday — are so burdensome and so pernicious that in 2006 Congress effectively banned them for military families. Given all the problems workers face right now, Congress should extend this protection to everybody." -The New York Times

It was the great Benjamin Franklin who said that those who would sacrifice freedom for security deserve neither. Well, the NYT and every other flaming liberal in the country is calling for a sacrifice of freedom for the sake of security and protection.

Now I would suggest that history shows us that our government doesn't exactly have the Midas Touch by any means. Most often, anything the government meddles with ends up worse off than before. Here's a novel thought, if you want to be protected from payday loans, then don't use them!

If payday loans are so bad and so predatory, why is the business growing? Why are there repeat borrowers? Shouldn't they be running for cover from the out of control rates? Shouldn't people learn from their first mistake and never borrow again?

Payday loans are obviously not a bad thing if a vast majority of borrowers come back for more. Even more evidence to this is that the only people who complain about payday loans are the people who never pay them back. What does that suggest?

I've got an idea. Stop paying your mortgage, car payments and student loan debts. Just stop completely. Tell me what happens. Tell me if the bank, auto company or student loan company makes your life comfortable when you don't pay them back.

And so people complain that when they don't pay their payday loan back that life is tough? Really? I would never guess that someone who lends money would have a collections department to collect that money!

Now if a payday lender participates in abusive collection methods, we do not support that. We support abiding by the law when it comes to collection practices. Those lenders who do not should be subject to the law they are breaking.

The truth is this- banning payday loans will only hurt the people who use them, not save the people who abuse them. There's better ways to protect people from potentially harming themselves...education. If people knew how payday loans worked, chances are those who couldn't pay them back would not borrow them in the first place.

So write your local representative and tell them not to ban payday loans. Tell them you want to see education reform that teaches kids useful skills like how credit works and not useless skills like writing a haiku.