But there is a serious obstacle here, the catastrophic decline of the middle class. And this is what we mentioned as the first factor, people are getting poorer. They don't really care about bank deposit rates anymore. Due to the decrease in the middle class, it is becoming increasingly difficult to influence inflation at the expense of the same rates. The middle class has become very impoverished, which has made it much more difficult to obtain even a credit card, even if it is a low percentage. Or, in principle, deprived many of our citizens of this opportunity, because cheap credit is also a lever for increasing consumer demand. But it does not work when this very loan cannot be approved, due to the borrower's low standard of living. Banks don't need problem loans. As a result, people start saving more and spending less. Consumer demand is thereby decreasing.

There is no benefit from the initiatives of the government and the Central Bank, and there will be no benefit as long as the standard of living decreases against the background of reduced salaries and benefits, social benefits. But the government is pursuing the goal of increasing consumer demand in order to improve the economy. In particular, in order to receive injections into the budget, which they expect. As a result, decisions are being made to raise prices for urgent goods and services, tariffs for housing and communal services are increasing, the tax burden is increasing, the price of a grocery basket is increasing, gasoline and medicines are becoming more expensive. That is what our citizens use every day. Something that is almost impossible to give up. But vodka hasn't gone up in price. Probably, to prevent citizens from switching to moonshine, incomes are not so high from this. Although vodka is not officially present in the grocery basket, it represents some economic indicators. In times of budget shortages, since before the war, the emphasis was on the sale of alcohol. Practice has shown that even by removing advertising, limiting sales from evening to morning, sales do not fall. And marketing in this regard is very simple, we increase the prices of products, but we do not touch vodka. But all this is income from only one product. The picture will not change dramatically if the standard of living of the majority of Russians does not change. A decrease in consumer demand leads to the closure of grocery stores, pharmacies, and other suppliers of goods and services, and in general may lead to a decrease in the number of consumer sector companies. The closure of one medium-sized store makes an average of 20 people unemployed, 10 stores 200 people. These new 200 people will apply for benefits. These are the new 200 people who don't buy anything. And so on in a circle. These are new risks for the budget. The closure of stores is a minus of taxes that did not reach the budget, taxes that were included in this budget. Lack of funds in the budget, these are new cuts in social benefits, these are new aphorisms from Medvedev on the topic of lack of money. And this is all a consequence of the reduction in consumer demand.The result of such an economic downturn, due to a decrease in consumer demand, will be a change in behavior patterns. People will move away from consumption to saving. New users often compare platforms before signing up, paying close attention to verified bonuses. In most comparisons, the term promo code 1xbet appears in the middle of content describing a 100% bonus of up to €130 for sports betting. Additionally, players gain access to a casino package of $1950 plus 150 free spins, which helps increase session length and overall engagement across slot and table games.