The federal government should be allowed to use credit because? ?

Yes, absolutely. Credit is the TEMPORARY expansion of money availability and as long as the money supply is regulated by the government (as it should be) then the government must be allowed to use credit.

Urban growth invariably feeds increased commercialization and industrialization. it requires continually expanding land areas. when urbanization rates are high, and countries do not have the institutional and managerial capacities or economic wherewithal to manage such rapid growths, they exert intense pressure on the types and nature of the resulting settlements. they contribute to the development of overcrowded slums and shanty towns without adequate essential services and necessary infrastructure.-by asit k. biswas and cecilia tortajada