I know that politicians in Congress and some states are talking about banning payday loans. Politicians might think they are protecting people. They usually argue that people who use this service don't understand personal financial issues.

This is an insult to all regular, working Americans.

Just because you don't work in Washington or on Wall Street doesn't mean you can't understand basic math. It's cheaper for me to take out a short-term loan than to bounce a check at my bank or pay the reconnection fee on my electricity.

I think people who need to rely on short-term financial solutions should choose whether or not they use these products, not the politicians who make a lot of money and have never needed cash in an emergency. Please, protect me from Washington and not from payday lenders.

Julie P. Brown

Woods Cross