Don't know about all that. It seems the economic multiplier is higher when consumers spend money at the retail level than money spent (loaned out) for commercial/corporate/mortgage loans. Hence why one of the key factors always being measured is consumer spending. There are statistics and economic studies that have been done to calculate economic multipliers for different groupings of our economy. The higher the multiplier the more GDP that dollar contributes. I think one would have to dig into that research to make informed opinions. All we have here is conjecture and armchair quarterbacking.