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One of the by-products of the COVID pandemic is that we’re borrowing less.


Anyone who has been in self-isolation or a lockdown knows that they are spending less. And it’s evident in all the economic numbers – gasoline sales are down, we aren’t going to movies or entertainment facilities and restaurants are seeing significant reductions in business.


All of this means the average consumer is spending less and, given that a chunk of that spending used to be done on credit cards or with borrowed money, the amount of new debt households are adding is going down.


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