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Things for instance sudden medical emergencies and payment for tuition fees and house bills (water and electricity) fall under this category.2. Important, but Not Urgent – Events that fall under the second category are the ones in places you need cash, but usually the bills are those which can be regular (monthly, bi-monthly, annually, etc.) so you know when payment is due, and the amount is fixed, so you know how much to set aside each paycheck.
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Pay period lending companies have high dollar lawyers and they are probably lobbying a state politicians right now to protect their interests. If enough people complain the states will all need to do something concerning this predatory form of lending.

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