Can you provide some additional details? In what ways has it helped you? Would you have gotten the same benefits had you done a immersive meditation session outside of that structure?
If the US keeps its skilled immigration H1B process so complicated and painful with lots of unpredictability and randomness for its potential immigrants - it is definitely going to lose the attraction that it had on tech workers.
I have personally seen hundreds of FANG rockstar engineers leave the country to Canada and Australia where their immigration processes are easier and provide an easier path to citizenship instead of keeping them as indentured slaves for an indefinite period.
While I agree with the comments about predatory lending, I kind of feel that it has more to do with being more financially aware before agreeing to such loans. Payday lending is closer to the predatory lending practices, but I see the same kind of attitude among borrowers at lower interest rate products as well.
Borrowing when you know that you will not be able to repay the loan (or with the intention of not repaying) is also wrong.
> In the second scenario the worst case is that the payday lender becomes insolvent, the company collapses, and the workers go and find other jobs because they're not the ones suffering financial stress.
In this case, the employees of the so called lender are rendered jobless and they don't meet their financial obligations and might become homeless themselves.