What if 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 stutting. And i was always wondering when this would come to the us. And i think it might never, just because of how like, powerful our paty 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, what if payday loans, but on the block chain? Except, you know, yone, i guess this is the ovher thing,. The difference this being a payday loan and this being, you scammoned a bunch of people, is what the enforcement mechanism