Americans are piling on debt at a furious pace, as tariffs loom

I am unclear what to take away from this. It says nominal consumer debt is at and all-time high, but it's not if you consider real (inflation-adjusted) numbers. It says the ratio of debt payments to disposable income is low compared to recent decades.

So it seems, contrary to the article's title, that there hasn't been a furious pace of change in consumer debt.