Labor law is not workers’ law. That’s the lesson learned by pro-union workers at Volkswagen’s sole U.S. factory in Chattanooga, Tennessee.

In April of last year, 24-year-old Nina Dang broke her arm as the result of a bicycle crash in San Francisco. She was taken by ambulance to Zuckerberg General Hospital. She received treatment and was later released to recuperate at home. Pretty routine, right?

Most working people experience extreme financial hardship at one time or another. It’s the sad reality of an economy that prioritizes wealth-hording by the super rich over the basic needs of everyday people. Compounding the problem of so many of us living paycheck-to-paycheck is the largely unregulated market for high-interest loans.