It’s a Spanish play on Jan’s last name.

When I lived in Texas, my bank (and every other bank in Corpus Christi) charged like $8 a month just to maintain a checking account if people didn’t keep a balance of at least $250 in it. A lot of poor people don’t have $250 they can just drop into a bank account and not touch it, so if they don’t the bank maintenance fees can also get pretty outrageous. And if you post-date a check to someone and they forget and deposit it and your account gets overdrawn (and then maybe a couple of smaller checks hit after that) you can get hit with hundreds of dollars in overdraft charges literally within a few minutes.

So don’t assume that usury is limited to payday lenders. One logical reason someone might go to one is because the bank fees can often end up being even higher.

‘Beer’ is ‘cerveza.’ You figure it out.