Investors on Wall Street are becoming more optimistic about the ability of American borrowers to navigate inflation, slowing growth, and rising interest rates, despite slight increases in missed-payment rates on car loans and credit-card debt. Investors feel positive about the economy due to fewer delinquencies and more job opportunities than in past downturns. Consumer debt analysts and investors anticipate that loan failures will not be widespread as long as employment remains strong. Wall Street's confidence in American households is demonstrated by the decline in yields on consumer-backed asset-backed securities compared to Treasurys. Lending platforms have tightened lending standards, reducing the risks of rising delinquencies.