... get more and cheaper credit, and get out of debt. Unfortunately, the first messageappears to be the most compelling. If the getting-into -debt industry isgrowing, the getting-out-of -debt industry ... tedious. In the fringe economy, as in many things, the devil is in the details. Under-standing the fringe economy requires a grasp of how financial schemes cir-xiv SHORTCHANGEDcumvent state and federal ... middle-income households, and the geographic reach of these companies. While older fringe busi-nesses were local, the new fringe economy is national and even global in scope. And the fringe economy...