I see you as too reactive to present yourself as a supposedly altruistic person. If you are such a good person and do so well in offering this service I don't know why you get so angry. And the last straw is your signature, which does not correspond to your reactions.
You and Wolf are welcome back in a year or so and apologize to me.
Lol.
Giving these low-amount loans to people who need them only deepens financial ruin.
In the example above, do you think someone who is having trouble coming up with $22 you are doing him any favors if you charge them $8 in less than a month? In the UK and many European countries such loans are illegal. That's more than 500% APR.
You and Wolf are welcome back in a year or so and apologize to me.
Lol.
What his intentions are, I don't know. Just from my point of view they are not bad. Maybe he just wants to help out those who need it, but also look like they can actually pay it back.
Giving these low-amount loans to people who need them only deepens financial ruin.
Rasied the amount to 22 from 20. 
8$ interest and 1.5$ transaction fee are not too much for 22$? In the example above, do you think someone who is having trouble coming up with $22 you are doing him any favors if you charge them $8 in less than a month? In the UK and many European countries such loans are illegal. That's more than 500% APR.