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Cute Russian comic. The home of the official English version is here if anyone wants to skip ahead (or support them): https://boosty.to/gabiconomics-en
The marginal propensity to consume(MPC) is the metric quantified as ratio of consumtion spending and income.
As an example - if you spend 9 coins with a salary of 10, your MPC = 0.9. It becomes impossible to accumulate any large amount of savings, and because of this you're often forced to overpay. Coupled with mortgage, for example, we get the current household market: with high MPC It's near impossible to save up for an apartment costing 8 millions, which leads you to overpay a total of 27 millions to the bank over the next 25 years.
