Who out there wants less than he needs? Remember, the driving force for taking out a loan is having a job. No job, no loan. Give a man a job/income, he will always want to buy more than he can afford today. This philosophy calls for a loan. For the economy to grow we need jobs in the private sector. Three areas: mfg, commodities and food. Gov't jobs do not produce income. Gov't jobs just spend tax money.