Consumers are having trouble repaying their credit cards, you don't say?
The consumer is 70% of the economy. If they stop spending, and credit dries up, it will quickly freeze like in the summer and fall of 2008. And that means Game Over for the current system.
Finally, layoffs will pick up steam, as useless jobs like CRT instructor, diversity and inclusion director, basket weaving operator, and whatever else this ridiculous economy has concocted, will be going the way of the dodo!