"As providers of a wide range of front-line public services to the socially and financially excluded, A4e has rich experience of the multiple challenges people face in staying afloat." They know that people who are "unbanked" get trapped into high-interest loans. So the government should buy out this debt from the high-street lenders, and the debtors could repay it at a low rate of interest. I can't really see that happening. Interestingly, the document states that 50% of the clients of A4e's CLACs are repeat customers because they haven't changed the behaviour which keeps getting them into debt.
There's a paragraph which needs decoding. It's arguing for "a single interface" through which people can be referred for debt advice. I wonder who would run that.