[mrreality68]

The net result like any loan from a bank, using credit cards, or a vault is How you use it and pay it back.

IF done right (ie knowing you can pay it back fast), staying in your budget, it gets you the end result you want then good.

But if you have no control, its beyond your budget, you use it wrong/waste it, or you take a long time to pay it back then you have the risks and consequences that comes with it.

I prefer to avoid it but for some I am sure it worked well and for others it was a bad thing.

But all businesses will find a way to make money and PWCC, Goldin etc just is just another Service they provide to make money