I dunno like, there seems to be an unbridgeable gap between discretionary spending - no matter how many people tell you they NEED their coffee - and a financial instrument transaction designed around necessity.
I mean, you can draw some kind of equivalence between them - and with a little more effort, anything - by comparing only their most rudimentary forms "payday loans are a thing, coffee is a thing, and in the end a person is out some amount of money." but you have to ask if that's a useful equivalence or simply too broad to be meaningful?