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Math has no morality. It can be used to mask the intentions of certain industries, which is part of the reason why consumers must do there best to have an understanding of math and finance in order to protect themselves and make their money work for them.
People make mistakes with money for many reasons. It is easy to go over budget and indulge in unnecessary consumption. In difficult economic the loss of a job or weak wage increase can also make it difficult to stay above water. Keeping up with the bills is difficult enough without worrying about easy pitfalls that could be avoided with just a basic mathematic knowledge.
Payday loans charge such high levels of interest that it could create an even worst problem to take one out. It is best to calculate the interest that taking out the loan with cost and seeing it that amount can be covered when the loan is due before even considering a loan. If performing the calculations are a problem there are plenty of interest calculators available for free online.