Declining consumer loans and increasing consumer confidence

[George Stefanopulos]

Here's one more proof that stimulus plans aren't really helping the consumers: While commercial loans grew exponentially in 2020-2021, consumer loans have seen a steep decline: 

What is more surprising is that I recently read a study showing the confidence of consumer's in their chances to get accepted for a loan in 2020 compared to 2019.

The overwhelming majority (71%) think that its chances of getting approved for a loan improved in 2020. 

American consumers are most optimistic than anyone else, yet in reality, they are suffering the most.

Can anyone explain this discrepancy?