Both arguments have some merit but something pretty central is being missed - an understanding of consumption through the life cycle. Those on the Keynesian side of the debate say that what we have is a problem of confidence. People have become unsure of the future and have changed their consumption patterns to fit with an increased lack of security. The government, they argue, should step in and provide security and that this should take the form of printed money handed to where most insecurity lies, the banking sector. Once the banks are secure, they will lend again and demand will once again come on stream and people will start spending and consuming like they once did. Added to this, is the fact that much of the squeeze of austerity has been visited upon young adults – whether it is through cuts in the state spending in education and housing benefit, increased rents. deflationary wages, or just plain unemployment. 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