Although one loses count very quickly, government’s attacks upon the poor seem to come in three’s. First government fights the dreaded specter of deflation, meaning lower prices, by its irresponsible quantitative easing programs that have indeed driven up the cost of housing and reduced home ownership to the lowest level in decades. Next government tries to raise the poor’s income by increasing the minimum wage, which has simply caused a reduction in the employment chances of the least skilled of our population. And now, without a job and without a home to provide collateral, government will prevent Americans with poor credit histories from getting short term so-called payday loans. How much more government help can the poor withstand?