What the hell is a Intel® 82801DB/DBM SMBus Controller 24C3; what does it do; and can I disable it (so my speakers will work)?

It is your audio controller you dont want to disable it, you need to update the drivers
FROM HERE

Intel® 82801DB/DBM SMBus Controller - 24C3 where the hell u get the drivers from???

In need it for MSI mother board

It's integrated into the Intel chipsets & is motherboard-independent.
Check this Intel utility.
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I think that would be great if the government would focus on the several million of people who are truly uninsured so that they will not to rely in some credit cards for paying the bills. Credit cards are fine as an occasional use, but may not be as viable an option for financial assistance as fast cash loans, at least in some instances. Let me clarify: by fast cash loans, I mean those dreaded payday loans. A fast cash loan carries a one time finance charge, whereas cards accrue. They don't affect credit rating, and they're easier to get than a small bank loan. Think of them as a tool you only want to use sparingly – if you have long term financial problems, fast cash loans or a fast cash loan lender isn't going to help you very well, neither will credit cards, as that's better dealt with by sound budgeting and credit repair strategies.