Critics all over America are claiming that payday loans and lenders are just out to get the common man and leave him with nothing and probably lead him or her into a debt cycle. Well I can’t quite blame then because it does look like most lenders are out to do that especially nowadays when most lenders have gone online. This is because a whole lot of people seem to be ending up in debt cycles, taking out another payday loan to pay off the first loan that they had taken and this goes on until all they can do is run away or starting complaining to the government for help and then payday stores have to close down and this hurts most of the other borrowers who were okay with the payday loans. But why do so many people end up in debt traps? Well number one the payday lenders do not check them out and also because many people do not manage their cash well.