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I personaly feel that the greedy banks and retailers, that pray on the publics niavity, are their own worst enemy. If they gave the public a true knowledge of how fast a direct deposit comes and the real cost involved in these loans, they would see more trust and repeat custumers. If they would offer a better, more cost effective product, where the cliant could have a check cut and/or pay out of their refund, they would have more buisness. Many of the large firms treat the cliant as a tool to get rich quick. They push the RAL when not needed by a large percent of the people. On top of this many have unskilled preparers, that have a crash course on rushing through the program to get the next person in,rather than taking time and explaining exactly what is taking place.

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