So if Australians have the highest personal debt in the world on mortgages and credit cards, how are they going to spend the money to allow business to grow. The only people making any money in Australia it seems are the banks, Woollies and Coles, the real estate agents, big car dealers and the petrol companies and the government. The mass population is paying top dollar for everything and their houses are sky high expensive. What is going to cause these people to have all of a sudden extra wealth that will then be invested? So how exactly is this going to turnaround and become a prosperous lucky country again? Just asking.