The first context is about the banks taking your money via overdraft fees. So I said that companies (lets stick with clothes because I mentioned those already...clothing companies) will charge more to make up for it. Yes, I said that, but this context doesnt account for people buying clothes.
In the second context, Im talking about demand going down because people already have clothes. In the first instance demand stays where it is because it doesnt factor in people having appeased their need / desire for clothes.
enough of your incoherent blabbering if people didn't need to buy clothes it would mean that the population wasn't growning and economic growth would be zero.