reluctant

꺼리는

However, declining real wages have made consumers reluctant to borrow, undermining efforts to increase consumer spending.

Long-term unemployment almost double pre-financial crisis level – OECD

Respected forum says there are 45m unemployed across major economies and warns that cyclical rise has become structural

https://www.theguardian.com/business/2014/sep/03/long-term-unemployment-double-financial-crisis-level-oecd#:~:text=However%2C%20declining%20real%20wages%20have%20made%20consumers%20reluctant%20to%20borrow%2C%20undermining%20efforts%20to%20increase%20consumer%20spending.%20