In addition, it affects the families want to return money. Some families have reserves but some of the families want a system which lent out of high-interest debt, more.
Moreover, it affects families to afford to return. Some families have reserve funds But some families have a high interest loan out, which makes it even more debt.
Furthermore, it affects the family to find back the money, some families have reserves. But some families have to loan sharks, which have high interest to owe more.