Who knows, Paul, maybe if you say it enough times, it will be true. Kind of like Peter Pan said, anything is possible if you wish it enough. All I know is California went to war and lost while Colorado, Oklahoma and Maine have all accepted that and backed off.
You don't like payday loans? Then don't borrow any. You want loans made according to your state laws? Then do your homework first and only borrow from lenders in your state. You don't like the fact that sovereign nations are immune from state laws? Then stay out of reservation casi nos and start paying state excise taxes on your cigarettes, too.