On jump-starting the economy

The solution is not to credit. Post WWII "up" economy buying power was not built on credit cards. Credit? Yes. Cars, houses. But even in 60s credit cards (pre-VISA card) belonged to a few businessMEN, and NOT to women. Wrong, yes, but fact. Point - economy was not credit card driven. Outside of big credit for houses, cars, etc., things were saved for, bought on lay-a-way, which still exists, by the way. How hard is it to pay for something you want badly enough in 3 months, without interest, with no reference to your credit, and no bad mark on your credit if you "default"! You get money you paid back, but they keep the "fee" you paid upfront, if you do that, and put it back on the sale rack. Drawback - things reduced on sale usually get a 2 week lay-a-way. Plus - you can pay any amount at any frequency so long as you meet a minimum agreed-upon amount monthly. I remember my late mama buying, on credit card, and said, confused, "What did people do before credit cards?" Then it came to her, "Of course! They laid-a-way!" I told her "Guess what, mama! It still exists, today!" She was shocked, "Richway, K-Mart, Belk. They all do 3 months." She asked the clerk at the register, and she confirmed, yes, they still had lay-a-way. Mama was flabbergasted that it was not being used much and that she'd forgotten about it.