Sudden Financial Obligation. FOR MARK KEIL, 45, THE SPIRAL started with a few smokes.

Sudden Financial Obligation. FOR MARK KEIL, 45, THE SPIRAL started with a few smokes. Overdrawn by $5? want a loan until payday? Concealed bank charges and storefront that is usurious plunge an incredible number of Americans into downward economic spirals. Originally posted in AARP The Magazine. “There’s been a well-funded, deliberate work to legitimize payday …