Some monetary reformers argue that, given the parasitic nature of usury, it is vital that the indebted "victims" who must sink deeper into debt for the system to survive do so voluntarily and willingly and are not made aware of the consequences of purchasing consumables with debt money. Some politicians and others have highlighted the fact that mainstream media organizations appear to downplay or minimize the seriousness of deficit spending by government and debt-sourced spending of all kinds. The terms "debt" and "usury" are now virtually extinct, with "debt" being replaced by its antonym, "credit"; the cycle in "debt creation" is referred to euphemistically as the "credit cycle"; a shrinking of "debt money" as a "credit crunch" or "credit squeeze"; and the unsustainable growth in debt and the associated growth of derivatives that live off debt during the upward phase of the debt money cycle as "innovation" in financial markets.