The main reason payday lenders who charge exorbitant rates exist is because their customers have maxed out their regular credit cards or are too high risk to qualify. While U.S. post offices are fairly convenient for most people to access the U.S. Postal Service is currently understaffed and about $13 billion in debt with unfunded liabilities of about $150 billion. Also, the Postal Service is controlled by Congress but not federally funded. It is absurd to promote shifting additional workload and financial risk to the Postal Service.