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@sj_zero Another way to look at it is money is like water and credit is like alcohol. You need water to live. Drinking alcohol will make you feel good, but you need water to make up for it later. And if you are dying of thirst, alcohol might make you feel better for a minute but it will make you worse off long term.

All of the above also applies to stuffing credit down the throat of an economy that desperately needs money.