If that makes you uncomfortable, Mr. Mulcair....
We were chatting before the committee. Mr. Wallace had just gone out and bought a car. He had sufficient funds to pay for the car, yet it made absolutely no sense for him to actually pay money for the car. It made far more sense for him to just take the credit, because the credit was going to cost him nothing.
It seems to me to be a significant anomaly in the system. It compels the consumer to make a rational economic choice that to use somebody else's money for nothing is far more sensible than using his own money. It seems to me that if that decision is repeated over and over again throughout the system, you will create your own difficulties in the credit system.
Would you comment on that, Mr. Powell?