I don't necessarily agree with the following opinion, but the author does raise a good issue where I do find agreement. Read the column, then come back and vote.
The ultimate irony is that while some loan options are coming under assault, policymakers have stood idly by while young Americans have begun overdrawing their bank accounts at an alarming rate -- a "borrowing" habit that actually costs more than any other conceivable short-term loan. According to a recent study from the Federal Deposit Insurance Corp., a two-week, $1 overdraft at many banks can result in a $37 fee, a staggering 96,200 percent APR.
Read the column then come back and vote in the poll.
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