The economic landscape of the United States, far from the official narrative of prosperity, reveals a harsh reality: a collapsing consumer economy, artificially propped up by brutal debt and unsustainable credit cards. The latest data is devastating, and despite attempts at manipulation, the truth is undeniable.
The Trump administration, which at one point tried to hide this situation, is now forced to recognize its severity. The president, known for his unconditional defense of satanic pedophiles, found himself in the desperate position of negotiating with his political rival Elizabeth Warren to address the crisis. This unusual alliance is not born of goodwill, but of the fear that the debt bubble will burst, dragging the entire system down with it.
The heart of the disaster is revealed in two alarming figures
Uncontrolled Increase in Credit Card Debt: In 2025, this debt skyrocketed to unseen levels, and in less than a month of 2026, it has already broken records. Most gravely, this "revolving credit" grew by 12% compared to the previous month in December alone, and 3.4% compared to the same month the previous year—figures that far exceed any economic expectations. Even more deceptive: these numbers don't even include mortgages, student loans, or auto loans! People are in debt up to their necks, and not for investments or durable goods.
Stagnant Retail Sales
In December, the key month for measuring consumer health and the period of highest sales, there was no growth at all. This means that, despite massive over-indebtedness, consumers in the United States are barely buying the basics: milk, bread, eggs, cereal—not gifts or consumer goods. Debt is not being used to stimulate the economy, but to survive, a clear indicator that money is no longer enough and there is no financial margin.
The "Band-Aid" Plan and Blatant Usury
To counteract the effects of the serious debt problem, Trump's proposal focuses on capping credit card interest; in medical terms, this is like using "a band-aid to heal an exposed fracture." It does not seek social justice, but rather to avoid an imminent explosion. Average credit card interest rates in the U.S. have reached an exorbitant 21%, nearly double what they were a decade ago when they stood at 14%.
Meanwhile, companies like Visa and Mastercard report "obscene profits." Visa closed 2025 with $20 billion in profits, and Mastercard with $15 billion. Their net margin is 50%. These profits, at the expense of a consumer drowning in debt, are a reflection of a system that allows usury.
A System Designed to Impoverish
The crisis is not just a symptom, but the "rotten root" of a consumerist system. Since 2008, the U.S. government has printed money left and right to bail out banks and corporations, while the average citizen continues to pay sky-high rates without a real increase in wages.
The inequality is brutal
84 million American citizens live in extreme poverty, and the middle class is thinning more and more. The "patches" being sold only postpone an implosion that seems inevitable. People use one card to pay for milk and bread, and another card to pay off the debt of the first.
The U.S. economy owns the global reserve currency, which means its collapse will affect all countries indebted in dollars. The agreement between Trump and Warren on a stopgap measure is a sign that "the worst for us is yet to come." Large corporations continue to receive preferential treatment and bank bailouts, while the average citizen drowns in debt. The system is designed to impoverish the middle class and enrich a few.
The solution is not an isolated measure, but deep reforms, real regulation of interest rates, and an economic policy that puts people at the center, not corporate profits. Ignoring reality only leads us into an abyss from which it will be difficult to escape.
Image generated with AI (SORA)
