Have you ever seen the Simpsons when Bart uses Homer's credit card to purchase a $300 item? The item is a complete waste and he makes the $300 back in cash to give to Homer. When Bart tells Homer that he lost $300 on his credit card to Bart's poor decision he is infuriated. But when Bart tells him that he made it back in cash, and hands it to Homer, Homer immediately shouts with joy at this "newly" discovered $300 that he is in possession of and runs out of the house to go spend it.
Call me cynical, but I do not think that the average consumer's response will differ greatly from this. There will not be a "recession" bomb from lower spending.
So you're seriously getting your economic theories from a television cartoon? And you are going to change the economic structure of the world's largest economy because of what a cartoon character does?