Loansharking isn't going anywhere. They can put a payday loan place or a bank on every single street corner in America, and loansharks will still have plenty of customers. Most people can't even get a legitimate loan, then there's the pain-in-the ass paperwork and credit checks you have to go through, just to be denied. You can literally have $10 million in the bank, unless you have decent, or better yet good credit they won't loan you a hundred bucks.