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🤷🏻♂️ who am I to tell anyone what to do with their money, or anticipated money
Do I think people should just cook their own meals (or marry someone who does that for them)?
Yes, but it's also silly to forego eating out solely because your paycheck doesn't deposit until tomorrow.
I guess to the extent that people struggle with self control (hyperbolic discounting / dual self behavioral models), one could argue that making it easier for people to borrow against their future earnings benefits their short-run selves at the expense of their long-run selves.
For sure. That's why I implied a ceteris paribus in there. I'd wager that in most cases of not being able to afford takeout in the moment, it's a bad idea to spend on takeout.
You can't do that because you will be paying your previous deferred payment.
Depending on the amount of takeout, I suppose.
I can see the deferred payments until payday being a big feature for people. That might increase takeout during the week quite a bit.