The Kitchen Table analogy for the Debt Ceiling

You are at the kitchen table reading through your bills. Your credit card bills and utility bills are due tomorrow. Your banker will give you a loan today. What do you do?
Of course you will take the loan. It is the least bad option for your credit situation.
-Even if the vote comes close to the deadline, tens of billions will be lost hedging bets.
-The long term deficits for the future will go up, since interest rates on Treasury notes will go up.
-People's savings will be hurt.

This (should be) a slam dunk case for the Democrats to make. When Wall Street and Main Street have aligned interests, I think that's a political winner.