Just as Cratchit couldn't spend on his family at Christmas time (until Scrooge repented of his miserly ways), so consumers can't consume until they've the financial resources to do so.
IT was approaching Christmas time and old Ebenezer Scrooge sat hunched at the desk of his counting house (bank) in the City of London. He was wearing a threadbare overcoat and warming his hands over a candle that served as a substitute for a fire. "Bah! Humbug!", he growled.