The savings include a reduction in the number of borrowers, which the government puts at 鈥渃lose to 45,000 Canadians.鈥 It argues that these Canadians will either find other sources of credit or delay discretionary spending. But there鈥檚 no analysis backing this up. If these borrowers did have access to lower-cost debt, they presumably would have used it. And people in need of such high-rate loans likely aren鈥檛 spending a ton on discretionary items.