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With the debt ceiling, though, the stakes are high: Biden and his top aides have warned that congressional inaction could destabilize the global economy. It could delay seniors’ Social Security checks, for example, and result in rising interest rates that make it more expensive for Americans to own homes. A default could further rattle stock markets domestic and foreign, plunging the United States into another recession, only months after emerging from the last downturn during the darker days of the coronavirus pandemic.