Reserves Not Having Positive Effect

After eliminating debt and accumulating a $500 Bn reserve (sorry I don’t have the correct currency symbol), “debt” is still listed as a minor factor affecting business confidence and stability. Is this a minor glitch, or does this reflect a real-world economic effect I’m unaware of?

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I think that this has been brought up many times and is in the notice of Cliff. I’m curious as to what possible fix Cliff has in mind for this problem?