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To get credit cards and not afraid to put themselves in debt? >> looking at actual sort of what credit looks like for americans and how it's changed consumer credit grown with car loans and should talk about subprime car loans. that's a subject for a different day but looking at whether they spend on the credit cards, that's not changed and we are seeing right now is we're running an experiment in how good things can get for low wage workers in the united states. the last few points won in unemployment are the best for the lowest paid workers and highest for people who make the least money. th...