A household that is a not borrower owes more money to its creditors than it has saved or has lent out to other entities, If there is a decrease in intorost rates in an economy, then what will happen to the consumption of the households in that economy that are not borrowers? O Both the income and substitution effects will drive their current consumption higher O The income effect will drive their current consumption down, but the substitution effect will drive it up The income effect will drive their current consumption up and the substitution effect will keep it unchanged O Both the income and substitution effects will drive their current consumption down. O The income effect will drive their current consumption up, but the substitution effect will drive it down