Well, I just meant to say that people are hunkering down and spending as little as possible.
Our own 5 year old had an accident at school. Cut his scalp in the hair line. We have non-Obama effected PPO for him.
First to doctor and paid that and then had to go to a plastic surgeon because it was too deep to fix in the office.
He's fine now but $1000 later WITH INSURANCE the lesson is you have expenses in life despite any attempted hunkering down.