Once You Start Nannying

Once an organization finds success in its push to rule citizens’ lives (namely, through regulating corporations and the citizens they serve), that organization often likes to turn its prowess at ruling to other endeavors. Another case in point:

The Dodge pickup has rust on the tailgate and a Harley-Davidson sticker on its back windshield. Beside it sits a Honda Accord with a big, white butterfly on the windshield and American flag butterflies on each side of the trunk.

There’s the minivan sporting a tattoo parlor bumper sticker and a miniature San Francisco football jersey suctioned to a window of a red Cougar with a scuffed-up driver’s side.

They all have one thing in common: Their owners didn’t pay off a car title loan, and now they’re getting ready for auction.

For years payday lenders have been the bad guy in the predatory lending debate while their close cousin, car title lenders, have cruised along unnoticed – and perhaps more disturbing for some – unregulated in several states. Many efforts to regulate the industry have failed as the lenders pour hundreds of thousands of dollars into legislative campaigns.

Sadly, the totalitarian impulses of the news media continue to cast organizations who offer services as the bad guy, not the ill-informed or naive sheep who get into bad situations and clamor for the government to save them from their decisions.

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