I Don’t Much Care for Dave

This cartoon bear is kind of an asshole

Andy Spears
2 min readOct 14, 2024
Email urging you to go into debt to “pump up your budget”

Why don’t I like Dave?

It’s simple: Dave is an asshole.

He’s always using the latest holiday as an excuse to get you to do something you definitely shouldn’t.

Dave’s mascot is a friendly-seeming cartoon bear.

But that bear has bite.

The bite of a boatload of debt.

The picture at the top of this piece is from an email sent by Dave.

It suggests that you can “pump up your budget” by getting a cash advance from Dave.

Which would most certainly pump up Dave’s profits and also most certainly pack a punch to your pocketbook.

Dave sucks.

Here’s how bad Dave sucks:

Adam Hardy writes in Money.com that a number of cash-advance apps are suggesting they offer a viable alternative to payday loans but may instead offer a similar product in a more tech-friendly package.

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Andy Spears

Writer and policy advocate living in Nashville, TN —Public Policy Ph.D. — writes on education policy, consumer affairs, and more . . .