Congress is not protecting consumers. If congress was protecting consumers, they would require a consumer debt "float" between a high range and a lower range. Clearly 3 trillion dollars of consumer debt is too much for too many americans.
I would suggest that consumer debt should not go above one trillion, that consumer debt should actually "float" between 500 billion and 1 trillion dollars. So far, consumer debt has just risen, and the more consumer debt rises, the more the U.S. economy flails.
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