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In order to create more debtors, creditors need people to borrow money on disposable items such as couches, computers, and even cars. Nobody in their right mind borrows money on items that neither create wealth nor maintain value. And yet that is exactly what the rich need to maintain their creditor status - to get rich while everyone works more hours.
If you cannot afford the car, then you don't buy it. Creditors love it when the debtor also takes out a car loan. Means there will always be more debtors.
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