单选题：Questions are based on the following passage．We usually thin

Questions are based on the following passage．
We usually think of payday lenders, pawn shops ( 典当行 ) and other high-cost loanoperations as alternative forms of financing for people who are short of cash. But that'smerely a false appearance: They couldn't operate without billions of dollars in cheapcapital from the nation's biggest banks.
It starts with some history: Back in the 1980s, the Main Street emergency lenderswere fairly small and largely independent businesses. But then they started consolidating,looking for access to capital markets in order to deepen their liquidity and financeexpansion. Cash America went public in 1987, and others followed. Banks took notice andstarted investing in what was becoming a profitable, highly reproducible franchise. Theresult is that while pawn shops and payday lenders charge high interest rates to borrowers,banks lend them money at standard business rates.
The big high-cost lenders are up front about their dependence on Wall Street credit.
"We depend on loans and cash management services from banks to operate our business,"said Kansas-based QC Holdings in a 2012 filing. "If banks decide to stop making loans orproviding cash management services to us, it could have a material adverse effect on ourbusiness, results of operations and financial condition."
But the banks themselves don't talk much about it--even though many of theirexecutives sit on the boards of the companies they keep rolling in cash. The irony is thatsome customers are driven to the high-cost loan industry precisely because they can't getcredit through traditional channels. So the big banks benefit on both ends: They avoidtaking on risky borrowers themselves, which preserves their reputations, while indirectlyprofiting offthe exorbitant ( 过高的) interest the Main Street lenders charge.
Reinvestment Partners, a North Carolina-based non-profit that advocates for theunderbanked, put out a report Monday laying out how the system works and just howmuch money flows through it. "This paper is the kickoff point. Then ! go and makespecific entreaties ( 恳求 ) to various banks, to find out why you think you're doing this,if you intend to keep doing this," says research director Adam Rust, who thinks banksought to divest ( 放弃 ) high-cost lenders entirely.
But high-cost lenders are entirely legal, and banks are disinclined to take theirmoney out of circulation for debatable points of morality. So if that fails, Rust says he'llask the banks' regulator, the Office of the Comptroller of the Currency to ban the practiceof financing high-cost loans. That's a tall order too, given that cutting small lenders offfrom the capital markets would effectively put them out of business altogether--which aregulator would think really carefully before doing.
What's the general point of view on payday lenders in this passage? A．They are substitutes for bank loans.
B．They will replace banks in the near future.
C．They are taking advantage of the borrowers.
D．They will be banned by the government.