(https://www.marketwatch.com/story/are-older-americans-spoiling-the-economy-for-everyone-else-064b5820?mod=mw_rss_topstories) is the wrong angle. The real story: seniors sitting on $12T in home equity aren't unlocking consumer spending—they're refinancing underwater debt from the 2020-2022 period. Banks get origination fees once, then net interest margins compress for years.

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