Misleading commercials

When I was a kid, I watched Jeopardy and Wheel of Fortune regularly. There was one commercial that repeatedly aired, and it sticks out in my memory.

Scene: a white husband/wife couple in their house.
Husband: I'm going to go check the mail.
Wife: No! There's an unexpected bill out there!
Husband: [looks out window, sees man standing next to mailbox wearing a t-shirt that says "BILL"] Let's hide; maybe he'll go away!
Wife: I don't think so.
Narrator: When an unexpected bill shows up, come to Advance America Cash Advance. [Couple enters Advance America facility. Shown talking to agent at counter. Narrator says some more stuff that I can't remember.] So come to Advance America and say, "Bye-bye, bill." [Couple turns around and waves good-bye to Bill who is standing right outside the building. Bill looks sad.] Call 1-888-68-CASH-NOW.

This commercial is quite misleading because it shows Advance America customers as white, middle-class, home-owning, "normal" people. This is usually not the case, as evidenced by the fact that you will almost never see an Advance America location in places like Marin County, Montclair, Pacific Heights, Westwood, Beverly Hills, Santa Monica, etc. You will find them in places with a noticeable presence of lower-class residents. Because that's how places like Advance America make money--they profit off exploiting the vulnerable. They advance your next paycheck, and then you must make the repayment on time or else you get charged an insane interest rate (Try 456.25% per year). Places like Advance America know that loaning money to financially insecure customers is a risky investment. But they end up profiting from interest on these loans, because they know these customers will probably not be able to repay on time.

Customers in this vulnerable situation are rarely homeowners. You will see a lot of low-income people of color who are struggling to make the rent payments each month asking for these cash advances. They can't afford to make a down-payment on a house. Those are the people that companies like Advance America profit from.

I'm not calling for a different course of action. I'm just calling out bullshit where I see it. The commercials were deliberately unrepresentative of the market served. ("White home-owners go to Advance America too!")