31. Which of the following is not a reason credit is marketed heavily to consumers in the United States? Since 1920, credit laws in the United States have been relaxed in an attempt to create a mainstream alternative to loan sharks for the working class. There is strong consumer demand for big-ticket items. The use of credit is not socially accepted in the United States. The credit industry has become extremely profitable. 32. A person or organization that uses a product or service Consumer Borrgayer

## Step1<br />For question 31, we need to identify the statement that does not provide a reason why credit is heavily marketed to consumers in the United States. The options provided are:<br />- Since 1920, credit laws in the United States have been relaxed in an attempt to create a mainstream alternative to loan sharks for the working class.<br />- There is strong consumer demand for big-ticket items.<br />- The use of credit is not socially accepted in the United States.<br />- The credit industry has become extremely profitable.<br /><br />## Step2<br />The first three options provide reasons why credit is heavily marketed. The first option explains that credit laws have been relaxed to create a mainstream alternative to loan sharks. The second option states that there is strong consumer demand for big-ticket items, which would require credit. The fourth option states that the credit industry has become extremely profitable, which would incentivize heavy marketing.<br /><br />## Step3<br />The third option, "The use of credit is not socially accepted in the United States," does not provide a reason why credit is heavily marketed. In fact, it contradicts the premise of the question, which is why credit is heavily marketed.<br /><br />## Step4<br />For question 32, we need to identify the term that refers to a person or organization that uses a product or service. The options provided are:<br />- Consumer<br />- Borrower<br /><br />## Step5<br />A consumer is a person or organization that uses a product or service. A borrower, on the other hand, is a person or organization that takes something with the intention of returning it, often with interest.