Imagine two economies, both experiencing a similar, sharp economic downturn that leads to a 10% drop in national income. Economy A has a robust system of unemployment benefits and widely available, low-interest personal loans. Economy B has very limited unemployment support and a banking system that is reluctant to lend to individuals, especially during a recession. Analyze how household spending is likely to respond in each economy. In your analysis, evaluate which of the two differing factors—government support or access to borrowing—is likely to have a more significant impact on cushioning the fall in spending, and justify your reasoning.