Payday Loans: No Better Than Legal Loan Sharking

Payday loans are every where now, in malls, on the Internet, in shopping centers, why has payday loans become so big? It's just another way to get in debt and never get out. You borrow hundreds of dollars only to be charge $30 and over for borrowing that money. Isn't that just another form of loan sharking? I don't understand why people get that hard up for money that they borrow from these types of business. When you fill out an application for a payday loan the business calls and harasses you on your job to get the loan, calling your boss and payroll to make sure you really work there in turn you receive complaints from your boss that you are receive telemarketing calls while at work but you can't fill out an application without reveling your work number. Why are they allowed to call your job so many times. I applied for a loan once through 200Cash.com and gave them my work number because your required to do so but this Payday loan service said that they would not contact my employer so I gave them my work phone number but I changed my mine because I didn't want to have to pay $50 for borrowing $200 but I gave them my work number only to find out that not only did they call my employer but they called everyday for the next two weeks asking me to still consider loaning from them even though I clearly said I was no longer interested in loaning from their establishment.