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employees for work-from-home expenses., Businesses that only accept cash and encourage customers to withdraw money are outdated., Banks should offer options for zero down payment mortgages to make home ownership more accessible..

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