I think I covered that. The reason they do is because Canadians are very much conditioned (and Americans too) to describe everything they buy in terms of monthly payments. That works, as long as the paychecks keep rolling in. But it does not take much to upset that.

As for the infrastructure spending and other bits in that comment: if there were more people carrying the load then everybody would end up a little wealthier. As it is the only place where real money is being made in Canada is in banking, which is almost predatory as to how it treats the population. The interest rates are off the scale compared to the rest of the world and the various low key trade-wars with the US do not help either.