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The Impact of Social Insurance on Household Debt * Gideon BornsteinSasha IndarteMay 13, 2022Abstract This paper investigates how the expansion of social insurance affects households accumulation of debt. Insurance can reduce reliance on debt by lessening the financial impact of adverse events like illness and job loss. But it can also weaken the motive to selfinsure through savings, and households improved financial resilience can increase access to credit. Using data on 10 million
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