Immigration policy in the United States is deeply connected to the need to maintain the stability of the dollar and the overall credit system. A major driver of economic health is the ability of the population to service debt. When jobs are lost, credit collapses because without income, people can’t repay their debts. This is particularly true for younger generations in their twenties and thirties, who are increasingly struggling to manage debt.

This brings us to the core of immigration policy: it’s not just about deciding whether to allow immigration or not, but about the type of labor the country needs. The real choice is between skilled and unskilled labor. The question becomes: which group will generate more credit and help stabilize the economy?

High-income individuals, who tend not to have as many children, may accumulate less personal debt. Meanwhile, low-income individuals, particularly those who are likely to have children, often accumulate more debt and have more at stake when it comes to servicing that debt. Immigration policy, therefore, is not just about demographics but about which population segments will contribute more effectively to the nation’s credit system and long-term economic stability.