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> Or do wages become a rounding error when you add in stuff like real-estate and loans?

In the US - debt is >30% of the economy (government deficit, new corporate debt, new mortgages, and personal auto & student loans). But non-debt still makes up the majority - so I don't think everything becomes a rounding error compared to debt.

The interest rate has to be the single most important variable - but wages aren't a rounding error.




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