Failure to change has forced out not just companies, but entire categories Take Pay Day Lenders.... 5 ❌ ❌ ❌ ❌ ❌ ❌ ❌ ❌ ❌ ❌ ❌ ❌ ❌ ❌ ❌ ❌ ❌ ❌ ❌