>>512750467
Absolutely completely fucking wrong
Because a significant fraction of the population -including the white population, nevermind the nons - cannot figure out "financial literacy"
and what easy access to credit does, is it artificially inflates demand on every product in the economy as people who would otherwise be incapable of purchasing goods, due to their financial illiteracy - actually can now. This has the further knock on effect of increasing debts and liabilities and financial instability risks in the overall economy, in effect it makes everything worse and everything you want to buy is more expensive than it should be.
Your way of thinking is the libtard way of thinking. That you can just ~*educate*~ people and they will magically act like you want. You are retarded, your ideas of how people work are retarded, and the kind of nation and economy retards like you create is also retarded. We, in fact, are living in that retarded society made by retards like you.