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No, separation of powers doesn’t allow the president to unilaterally borrow money without authorization.

It’s exactly the opposite:

BECAUSE of separation of powers, the Congress cannot stop the president from performing his constitutional duty to service the debt, as per the 14th Amendment, when when the Treasury has the cash to do so.

And it’s just shameful that Biden has been using those threats to duck his 14th Amendment responsibilities to push for greater borrowing power.

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