200cash.com, Inc Charged me a $19 prepayment fee but I never received the loan. Wilmington Delaware

I'm a frequent visitor to ROR, and I see reports on 200cash.com ALL the time. They all say the same thing, that this place took $19 from their accounts and it's a ripoff.

No....

I'm not familiar with payday loans, so I jumped over to 200cash.com's website to see if they disclose anything about why they would take $19 from someone looking for money.

It took me all of 10 seconds to find the answer. This is right from their website, under the FAQs:
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"Frequently Asked Questions


What is a payday advance
A payday advance is a short term loan to tide you over until your next payday.


What does it cost to take out a cash advance loan
The cost for a $200 loan for up to 15 days is only $60. In addition, first time applicants must cover a $19.00, one-time only, non-refundable application fee, payable on the submission of the application. Once your account is approved, and stays in good standing you can get new loans anytime. "
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See that? $19 NON-REFUNDABLE APPLICATION FEE. It says it right there folks! WHY are people surprised when they take it out of their accounts? Its non-refundable, meaning whether you get the loan or not, they get your $19.

Guess that's just the price you pay for needing money quick.