Differing shades of hypothetical in good/bad payday loan presentations

Some people defend payday loans on the premise that people know best for themselves. I like this thinking. But compare two hypothetical scenarios.

Hypothetical scenario 1:
a) Guy orders drink at bar with last money, b) Guy goes to get Payday loan, c) Guy drinks the rest of the money away, and d) Guy enter into impossible cycle.

Hypothetical scenario 2:
– involves some unlikely and rare scenario where you already have a job but somehow cannot keep it unless you get more money. Much use of creative thinking or willingness to rest on purely abstract principles required.

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