of the choices given which is correct? How has borrowing changed in the United States since the Federalist era? Responses Americans have had more freedom to borrow money. Americans have had more freedom to borrow money. Americans have stopped trying to borrow money because the economy has been unstable. Americans have stopped trying to borrow money because the economy has been unstable. The government has prevented more people from borrowing money. The government has prevented more people from borrowing money. Big banks have kept more common people from borrowing money.