I was listening to The Indicator podcast the other day, which focused on payday loans. It shared the story of a woman who got a payday loan when she had a financial emergency, but then it spiraled out of control when she could never catch up after taking out that one loan. She explained that she would use a credit card to pay off a loan, then a new loan to pay the credit card, and so on and so forth. She's in a better situation now, but it helped put into perspective how an emergency situation can lead even the most sensible of people to making a financial decision that hurts in the long term.
I always say you have to make the best choice with the resources you have. Sometimes, none of the available choices are great.