Call it what you will, we went through many years when people wanted more than they could afford and used credit cards and other loan sources to pay. That has largely come to an end and we are fast coming back to people living within their means. Of course some people are finding it tough, they are having to change their behaviour and that is a difficult thing to do, but many others have found that once they had repaid their debts they have been able to live quite well. ie: the 'greed culture' is being reversed.
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