There I am, working on my Sunday School lesson for tomorrow, when I hear the following on the TV in the background: "You can turn the equity in your car into cash! Checksmart will help!"
Very little annoys me more than making payments on things. I buy everything with cash if I can swing it, and if I can't swing it, I don't buy it unless it is, like, food, fuel, or utility bills. Paying cash gives me a feeling of security and keeps me from sliding toward that miry pit of slow-crushing minimum payments from which escape is so difficult. I dread arriving at the place where I am forced to live month-to-month, with little or no hope of ever getting ahead financially.
So the very idea of taking a paid-for automobile and signing a note for every cent it's worth (or, in the case of most car-title loans, more), seems like a recipe for disaster to this particular Luaphacim. I know it's probably just a personality quirk of mine, and I know there are probably people who genuinely need the services provided by title-loan places, but it just rubs me the wrong way all over. (Especially when the title-loan place has abusively high interest rates for past-due payments.)
What do YOU think, dear reader(s)? Is Luaphacim just a cranky (prematurely) old man, or is there something to his crankiness?