I am not an economist and I don't pretend to have all of the answers. I do know that at a time in the recent past, workers were treated as assets. Training was provided and loyalty rewarded. The workers worked harder and everyone benefitted. Money moving is good. When the majority have little disposable income; not so good. The economy needs money moving. Money is created through borrowing. We borrow when we are optimistic about our ability to pay, or when we are growing our families etc. Now grown children live in basements and the notion of loyalty and job security is 'quaint'. I reiterate, cheap goods and free trade have benefitted very few. Exploiting workers, benefits the few at the top (and how do they sleep at night!), whereas a fair, just, sound economy with worker protections, benefits all. While I am saving the world, real estate speculators (e.g. condo flippers) and other nefarious means of avoiding tax and preventing people from affording housing, should be stopped.