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Route A

Personally under pressure

When cash tightens, the decision problem changes first — long before income does.

Why money pressure feels heavy — and what it does to judgement.

Why debt becomes a psychological system — not just a number.

How modern work changes financial stability and planning.

Route B

Liquidity and lender behaviour reshape strategy faster than most teams notice.

How uncertainty changes timing, risk-taking and information behaviour.

Why cash becomes the organising principle — even for profitable firms.

How the credit system actually works — and why it feels asymmetric.

Route C

Institutions, trust, technology, and the behavioural shifts underneath.

Why trust is eroding — and what replaces it in everyday decisions.

How households and firms adapt when stability disappears.

Scarcity, trade-down behaviour, and why decision quality drops.