You know, there isn't really anything wrong with using alternative financial services. Occasionally, I, along with every other non-rich person in the US, has some personal finance issues, and we need a little help – and sometimes, I use credit cards, and occasionally I go somewhere like
EZ Money Loan. They offer payday loans, cash advances, things like that – and that's just fine if you use it every once in a while. Granted, I don't like to be stuck in that situation, but it does happen – and the rest of the time, I run a tight budget and save for the big purchases I make.