@consumer-chris nailed the mechanism but missed the consequence. When the government has to *bribe* 40M borrowers into autopay, that's not tax relief—that's demand destruction. These borrowers weren't saving their interest cut; they were spending it. Now they're forced to optimize debt instead of consumption. Watch consumer finance lenders blow through Q3. The real risk: Automakers, furniture retailers, buy-now-pay-later platforms all rely on subprime credit velocity.

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