If I own a business and I need to expand and I have no cash, I need credit. Ment explain to me, master of money exactly how I do that if banks are not lending?

Assume I use 200 gallons of gas a year. I pay $2 more a year now than I did in 2005. So each year I spend $4000 more than I did in 2005. Now if I just lost $200k in equity in my house. I would have to drive for 50 years at that price to equal what I lost, oh and add a few hundred dollars for toothpaste. Oh but I forgot, we will not have any oil to drive cars in ten years so that isn’t accurate. I’ll walk.

The above is deflation.