Not everyone is in the stock market but almost everyone bought a property. Most of them couldn't afford the mortgage change, ruined their credit now can't get loans, credit cards, ect. The others are in an expensive property which value is less so they can't refinance and put into our economy.
You have to realize how many people (including myself) were refinancing, taking cash out, and going on a spending spree. It's going to be a big negative jump down from that.
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