This is (regrettably) common at poorly capitalized companies, as employees are the biggest expense and as making payroll on time every single time requires discipline. You have to make payroll, on time, every time. That is the only expense for which this is true.https://twitter.com/Austen/status/1085553659738378241 …
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One of the problems with adequate untapped credit of course being that "having a job that reliably pays you" is generally the entry requirement.
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I respectfully disagree that this is accurate with regards to consumer credit in the United States, but it’s complicated and path-dependent for people.
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