Economists call this good news: U.S. household debt equals 108 percent of disposable income. That’s the lowest level in a decade, and people are beginning to borrow money again. Hopes are high that between low gas prices and relatively low debt levels, consumers might even increase spending and boost the economy. Wealth gains are not shared equally, though: the rich get richer more easily, and there are racial divides, too. But reputedly loan-crazy Americans are now less in hock than Britons, Canadians or the Japanese.