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It's a fact that 2021 was harmful for many people. Nearly everyone focused on keeping a roof over their families' heads, not paying for non-essentials.
One thing the government didn't do that might have helped, would have been to put a block against negative credit marks if the reason was COVID-related. That would have helped many more people (and saved a lot of taxpayer money), plus it would have prevented spikes in bankruptcies.
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