https://www.msn.com/en-au/money/personalfinance/reserve-bank-warns-against-households-reduced-appetite-for-debt/ar-AAH9OIf?li=AAgfOd8 Be a good slave and borrow more. Maybe the public should be able to do fractional reserve banking too. For every $100 you save you can spend $1000. Then take that $1000 and put it onto a shadow bank, now you can spend $100,000. Next make a few highly leveraged derivative bets, now you have $100,000,000. Problem? How times have changed.