The accepted economic paradigm is wrong: Americans need less debt, not more credit.

[w4rma]

There is not a lending problem. The problem is that there aren't enough debt-free Americans to lend to.

• Liberalize the bankruptcy laws and let Americans get rid of our debt more easily.
• Allow Americans to more easily unionize, this will increase salaries and wages which will, in turn, allow Americans to pay back our debts.
• Quit forcing Americans to compete against foreign and illegal workers who have a lower standard of living than Americans do. This will force businesses to pay Americans competitive wages for our knowledge and work.