OLYMPIA – It’s become an annual ritual in the Statehouse: low-income people and advocates descend on Olympia to blast payday loans. It’s too easy, they say, for desperate families to get trapped in a cycle of high-interest debt. And every year, the bills tend to die in the same place: the committee headed by Rep. Steve Kirby, a Tacoma Democrat who defends the loans as a needed product for people who don’t qualify for credit cards or bank loans.