The number of individuals who experience credit problems has grown in recent years. what factors have contributed to this growth? what should be done to reduce this societal problem?

Many times, credit problems occur from satisfying shopping. These are those things which we don't need, but still, we want.Instead of purchasing and buying goods with real money, many people just say 'I'll just put it on credit'. They want it now, not later.This is not the safest passage this can lead to a lot of debt. To reduce this, proper education will have to be given.People need to understand what they should and shouldn't use credit for.

The answer is b) market forces

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