On last night's Last Week Tonight, host John Oliver and guest Sarah Silverman took on a very important issue: payday loans. The predatory industry is worth $9 billion and the loans "are terrible for you," Oliver warned, noting that interest rates can be as high as 1,900%—meaning the often-poor consumers must sometimes take out more loans to pay for the first loan. Silverman then issued a PSA advising that anyone who really needs money earn it by doing "literally anything else," Salon reports. The show airs Sunday nights on HBO. (More John Oliver stories.)