There has been a subtle shift...a sea-change...in US Consumer debt over the past 30 years, and to those trying to stay afloat and not to sink under increasing DEBT it's understandable many were to busy dog-paddling to either notice or care. Americans now owe more on credit cards, auto loans & student loans than they owe on home mortgages.- While a home is an appreciating asset, installment/revolving debt is not. Any 'interruption' in the consumer's income stream is gonna 'leave a mark.'
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