This is an article that goes against what our stereotypical thoughts are, although with a degree in economics well back in my rearview mirror, it makes a lot of sense in talking about people as (relatively) rational actors.

I also make the connection that as a small business owner, I am like a bank with AP and AR, sometimes more than my local branch.

http://www.businessinsider.com/check-cashing-stores-good-deal-upenn-professor-2017-2?utm_source=feedly&utm_medium=webfeeds