Self interest, of course - but it's the incomprehensible interest rate on both ends (high for consumables, i.e., credit cards, and low for businesses so they could be reckless with investments in ideas/technology/people). Interest rates for the consumer credit cards has been nothing short of the Biblical usury - I'm certain that's contributed to the current state of affairs as well.
About Economy
Read the Article at HuffingtonPost
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