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Many Americans, after a near decade of unsustainable overconsumption, often fueled by cash-out refis and HELOCs (home equity lines of credit), will spend the next five years (or perhaps longer) repairing their balance sheets.
And the repair of those balance sheets is something that's applauded by the bulk of economists: enticed by, among other factors, low interest rates and, in some cases, by false promises of a 'perpetually-increasing value of their home,' Americans borrowed too much, with predictable results.
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