The poll also shows that nine percent of respondents had no insurance policy to protect them against loss of earnings. If this will happen most of them will resort on personal loans or credit card to finance their everyday costs of living allowance. Only thirteen percent of the respondent were said to be secured because they have taken the necessary precautions if worst comes to worst. Financial worries may cause sleepless nights for many. Low rate loan may help those who are out of work or has an illness without insurance to cover the expenses. By means of this cheap loan people may find their way to solve the cause of their sleepless nights.

The IMF is predicting that the economy will face its toughest period causing the unemployed to rise by 8 million. Based on study in the developing countries and International Labour Organization the people that will be push into poverty might reach the 100 million mark. The crisis is producing costs and debts for governments that will be felt for decades to come. People are suffering from economic crisis because of the increasing number of unemployment, reduced wages and asset value is collapsing. The situation has worsened last September 2008 wherein banks are closing down due to bankruptcy. Panic resulted in massive withdrawal has created more problem. The US government are taking one step at a time to avoid further harm on the economy. The main concern of the government is to help the banking industry overcome this problem. World market is affected and millions of dollars are needed to help the dying trade market regain its life.