Kieran O'Donnell (Limerick City, Fine Gael) | Oireachtas source

Let us suppose the person would only pay for three years. We are discussing a cap. The problem is that it still will not work. The initial rate is exorbitant and therein lies the weakness. The problem is that ordinary people are chasing down money and taking money that they simply cannot afford, but they have no alternative. The main point that arose was made by Mr. Sheridan, namely, it is well and good and we must adjudicate what is before us, but the issue is the alternatives. That is the challenge.