Merry Christmas

I have seen these check cashing stores opening up all over the place in my city, I have seen about 10 or twelve new ones in my fair city so far this year . Ok maybe that is a slight exaggeration, but not by much. This may sound like a dumb question but why do people use these places? I have studied them and they charge exhorbitant fees. They are illegal in some states. Don't get me wrong, I am in no way arguing to get them shut down here, far from it. Don't people who use these places who are already short on cash will be shorter on cash by using them? Why not just use a credit card, a relative, or go to the bank to get a loan? Silly questions I know.