> we want people to spend as much as possible, That feels like a perversion of the credit industry. We can clarify that we want people to have as much excess i

> we want people to spend as much as possible, That feels like a perversion of the credit industry. We can clarify that we want people to have as much excess income as possible, spending a fair percentage of it. If they're spending more than a sustainable amount, they are incurring excess and efficiencies and/or deficit spending which will have a suppressive effect on spending over the long term.