Mr. Speaker, very briefly, I would not dare to guess what the hon. member's community is like, but I suggest that it is fairly similar to mine. In my community, the owner and operator of the Money Mart is not the chamber of commerce president. He is not the Rotarian president. He is not a person in society who symbolizes best business practices.
In short, it is a very risky business in terms of loaning money. That is why loan sharks are in it. They like risk but they also have enforcement, and I see no difference between the example of Louie G., posited by my friend from Winnipeg Centre, who would break a leg, I suppose, if a loan were not repaid, and the owner of the payday loan business, who would basically bankrupt a person into not being able to afford the necessities of life.