If they can't afford it without credit, they can't afford it with. And vice-versa. There is no credit construction that will make this different, except if it h

If they can't afford it without credit, they can't afford it with. And vice-versa. There is no credit construction that will make this different, except if it has a negative interest rate. To me this is obvious because if they can afford the credit, they can afford to save.