ADP's payroll services are accused of benefiting others more than clients. The author claims that ADP intentionally disrupts access to paystubs and earnings, potentially earning interest from delayed payments or finding other indirect uses of client funds. This is alleged to create cycles of debt and financial instability that perpetuate poverty, especially harming those who can least afford delays or errors. In the end, the author asserts that ADP's services do not benefit clients like themselves.