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I'm not sure micro-credits would do much in the US. Unless the micro-credits were $100,000-$500,000. It costs a lot of money to bring a product from an idea to a functioning company with multiple employees.
I think that is the current issue. There is nothing major (WW2, computers, dotcom, housing, oil) causing people to need new innovation that is easy for a small start-up to be profitable. People are just holding on to what they do have (GM doesn't make any money on my 15 year old car.).
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