Question 15 The government implements a policy that people can borrow money at a negative interest rate. The purpose of the policy is to encourage household consumption. Yet household consumption decreases as a result. Explain. O Households spend less because the marginal benefit of borrowing money and spending increases. Households spend less because the marginal cost of saving money increases. 1 pts Households spend less because people may believe that the government implements the policy as the economy is not doing well. O Households spend less because this policy discourages people from saving money