Abstract

The aim of this paper is to portray the financial inclusion of households and their implications for the dynamics of the economic system, in view of the importance assumed by theindebtedness of U.S. households in recent decades, especially in the 2007 U.S. crisis. Given the transformations of the U.S. economy and its financial system is proposed the rescue of Keynes's contributions of monetary economics and Minsky's financial vision to understand adequately the behaviour of households, both in the dimension of flows of income and spending, as in decisions on stocks of assets and liabilities subject to volatility and uncertainty.

JEL Classification: E12; E21; E32.