And debtors. The very notion of taking out a loan for something becomes nigh impossible with a deflationary currency, particularly one as deflationary as Bitcoin. Seeing as how the lower and middle class tend to take out loans for all sorts of reasons (since if they had the sort of cash lying around to buy homes and cars and appliances and such outright, they probably would be neither lower nor middle class), the direct harm such a currency would have is readily apparent.