消费习惯不同，华人手握大量现钱还战战兢兢不敢花钱。money mart这种小额借贷为什么在加拿大还这么有市场吗？老外把pay check拿去cash，都等不到银行要hold住的一两天，要付高额手续费去换取当天用钱。
这种恰恰比paycheck to paycheck 还糟， 是under paycheck to paycheck. 每个月钱不够花， 是非常不好的消费习惯和恶性的行为，他们大多信用不好没有信用卡，也知道这种方法有害，但是没有解决办法。
我刚来加拿大在多伦多华人仓库打工，有一次华人老板薪水推迟一天发，有个工友说这是欺负中国人，如果老外，当天拿不到支票会堵住老板不让回家
The payday loan industry has exploded over time in Canada, prompting new regulations that industry reps say are strangling growth and will force people into the hands of unregulated, online lenders
www.theglobeandmail.com
So he went into a nearby cash store in Ottawa to get a quick loan. This is how his debt trap began: When he returned in January to pay back the first $200 loan, plus $20 in fees (a promotional rate as a first-time borrower), he was encouraged to take out another, bigger loan – $300. But the second time, his bill, which included other fees, came to $86.
He couldn't pay, so he took out another loan. By the next loan, at $400, the fees had grown to more than $100.
"I just about had an aneurysm," he says. "I was beside myself. Now I couldn't afford to pay my rent, or I'd have to forgo my hydro. I'm on a fixed income, so every penny counts."
He dug himself out of his first payday-debt hole, only to fall down another the following year.
Like many in his situation, he borrowed from one payday lender to pay off another. He says his credit rating is shot. He figures he spent thousands on fees in recent years. Lack of cash meant having to go to food banks. "I was in a terrible loop I didn't know how to get out of."
