• Public policies to encourage debt-based spending – countercyclical and expansionist policies.
• Ageing population

Longerlife expectancy, lower birthrate, Today, the world already has more than 1.1 billion older people; in 2047,this number is expected to be 2 billion.

• Household indebtedness as a public problem in several nations.
• Financial fragility among the elderly is a public problem that many countries are already facing.
• Need for public policies that equate this problem.