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Further evidence suggests this cost of default is inefficiently borne by those most creditworthy among previous defaulters.

Itzhak Ben-David. We study this idea by examining Emily massage Linkoping Sweeden credit behavior of low-income households around the expansion of the opening hours of retail liquor stores during a nationwide experiment in Sweden.

Consistent with store closures serve Ejily commitment devices, expanded operating hours led to higher alcohol consumption and greater consumer credit demand, default, and negative consequences in the labor market.

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