“It’s worth mentioning, consumer debt, not counting mortgages, has climbed to $4 trillion, making it higher than its ever been even after adjusting for inflation. . . Consumers increasingly need it, companies increasingly can’t sell their goods without it, and the economy, which counts on consumer spending for more than two-thirds of GDP, would struggle without a plentiful supply of credit.” Kevin Van Trump, The Van Trump Report, August 5, 2019.