People should take out a loan to travel the world when they're young., Paying in instalments for everything, even groceries, should be normalised. It makes budgeting easier., Gyms should charge a fee for peak hours to reduce overcrowding and maintain quality service., Companies should reimburse employees for work-from-home expenses., Businesses that only accept cash and encourage customers to withdraw money are outdated., Banks should offer options for zero down payment mortgages to make home ownership more accessible..

Task 5b

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