I agree with you Michael. The wealthy people are given more opportunities to get higher interest rates which makes them spend millions of cash unwisely. They spend too much on expensive clothes, jewelries and branded accessories using fashion ads like those on magazines and periodicals. Granted, it's likely that it has more to do with zealous marketing departments for fashion magazines than actual merit, but some high end periodicals such as the International Herald Tribune runs some fashion ads that seem irresponsible in a recession. For example, Luis Vuitton handbags (small luggage that costs about $1,000) and Rolex and Patek Phillipe watches cost way more than you'll be able to afford with online payday loans. (Casio works just as well, by the way.) It almost seems unfair to allow the existence of fashion magazines when you think about it.