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. . . .all those who can afford to pay back loans at high rates already have all the money (and more!) that they need? Po' folks** can't afford to pay back . . .anything?
**Includes working- and middle-class folks who have been priced out of lifestyles and are liquidating what assets they have -- stocks, real estate -- at fire sale prices just to buy groceries???
And yes, since you asked, I'm extremely cynical and pessimistic today! 
And I have no sympathy at all for all the poor banks.
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