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Key points

• Key points:
• According to the data from the survey conducted by the World Bank through the Global Findex (2021), 23% of the Spanish population (age 15+) states that one of their biggest financial concerns is making ends meet.
• From the perspective of economic analysis, what is happening is not at all surprising: resources are being over-exploited, and many of them are public and shared, meaning that there are no defined property rights associated with them and no ability to bar those who do not pay for them from using them.
• As a consequence of the above, the net financial position of households is almost 2,000 billion euros (159% of GDP) and has improved by almost 2.5 times since 2008.