Ross stared at the bank in this abandoned town and smirked. He thought about how much debt he was in before the fall. His brother had always said, “don’t take no credit, buy only what you can afford”. His drunk uncle, the outcast of the family said
“Spend their money, before you spend yours.” 

In the end, he guessed his drunk uncle was right. It wasn’t sustainable in the old economy, but Ross thought in this timeline he made out alright, not paying off his fifty year mortgage. It was a death sentence in the old world but now money had no value. The only value was finding the next meal, and gasoline was scarce, so cars were pretty much worthless.
No interest rates, and no interest in owning the next shiny thing. No swipe of the credit card. The bankers starved first after the fall. The people who were used to having nothing knew perfectly well how to make a sandwich out of whatever they found in the kitchens of the rich. 

And they danced on the graves of the CEOs of Mastercard and Visa.