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Core Viewpoint - The concept of "zero debt" is rare among the population, and experts suggest stimulating consumption among this group to boost domestic demand, but there is significant public resistance to the idea of incurring debt [3][20]. Group 1: Zero Debt Population - Only 13.4% of the 175 million individuals born in the 1990s are free from any loans, including mortgages, car loans, and online loans [3]. - The overall percentage of adults living without debt is just 12.3%, indicating that most people carry various debts [6]. - Among young people, a staggering 86.6% are in debt, making the zero debt group a target for consumption stimulation [6]. Group 2: Attitudes Towards Consumption - Individuals who maintain zero debt are cautious and prioritize financial security over impulsive spending [8]. - Many choose to save for emergencies rather than spend on non-essential items, reflecting a mindset shaped by economic uncertainty [10][14]. - The desire to avoid debt is not a rejection of consumption but a preference for meaningful expenditures that enhance quality of life, such as travel and personal development [22]. Group 3: Economic Context and Consumer Behavior - Current economic conditions, including job market volatility and rising living costs, contribute to a reluctance to spend [12][24]. - Experts believe that improving public services related to healthcare and retirement could alleviate concerns and encourage spending [16][24]. - The push for consumer loans and credit card promotions is viewed as counterproductive, as it may pressure individuals to take on debt they do not want [20]. Group 4: Long-term Solutions for Consumption - The key to stimulating consumption lies in building confidence in future income stability and reducing healthcare and retirement worries [26]. - Addressing these fundamental issues will create a more favorable environment for spending, as individuals will feel secure in their financial situations [27].