Because, like Republicans, I believe that running a household’s budget is the same as running a nation, I’ve informed my credit card companies and the bank that holds my mortgage that I’m simply not raising my debt ceiling and will not be paying them. I’m sure this will be fine.
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The element you're missing from your analogy is that the US takes in plenty to pay its debt obligations, so there would be no reason not to pay these regardless of whether it enters into even more borrowing.
In your analogy, your household income would be high enough to pay your obligations on the mortgage and credit card even if you decide not to take out a second mortgage.
