Avalancher and Nmurg, both of you are commended and repped for a civil debate with good points on both sides.
The thing you're both not seeing is that you both barking up the wrong tree.
Prey and predator, they are both one and the same.
Some folks in the position to use pawn shops are there by their own hands and poor decisions, and some by financial twists of fate they may have had little to do with. Some give away hard earned money and some go there to save.
People are parasites by definition and arguably by nature. We take advantage of each other and situations so that when the tables turn we will hopefully find a place of balance, somewhere between making it big and getting ripped off. One only stays on the top so long and never without a price to pay.
Credit was, and still is, just another scheme to take advantage of another person and maybe today we will all look at credit differently, with clearer eyes. Probably not. Sometime, maybe, we'll realize that we are not all entitled to all the stuff we can choke on, just because we want it. Plasma tv, club med vacations, sexy blondes with large breasts. And yes,,,,cheap chainsaws.
Every good deal we get is someone else's loss, even if they don't know it. Our cheap oil is another lands poverty. Our luxury and freedom comes at great expense to others. I'm not saying this to make anyone feel guilty, including myself. I'm saying it to acknowledge that it goes up and down. We live in a world of give and take. Asking the pawn shop or the bank to be nice is like asking the cougar not to eat the sheep. And the sheep not to eat the grass. And the grass not to consume the nitrogen. And the nitrogen not to do something,,,,I don't know what nitrogen does. lol
Life, use at your own risk.
Anyway, thats all I have to say, I hope I make a little sense.