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  Interesting that mutual institutions like credit unions and the Asian Gramen banks originated solely in the private sector, without (and in many cases, despite) government interference.
  
  Mutualism is the key to fairness, in many cases.
  
  Barry, the people who get screwed by the payday lenders are generally not the best educated in society. Our education system sends millions of people out into the world ill-equipped for the complexities of daily life. There has to be a balance.

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