Payday Loans, but on the Block Chain?

There's a thing in china where they've been kind of cracking down in it now for starting, like 20 19. And i was always wondering when this would come to the us. And i'd think, it might not, just because of how like, powerful our pady loan industry is. But it's like we've, we've now invented it. Seems like it's going to happen, but like dumber, like, or our version of it is like this thing, which is what what if? Payday loans, but on the block chain?