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What statement concerning the impact of barriers to entry on debt repayment is most accurate? High barriers to entry lead to a more competitive environment

What statement concerning the impact of barriers to entry on debt repayment is most accurate?
High barriers to entry lead to a more competitive environment and increased ability to repay debt as scheduled.
High barriers to entry lead to a more competitive environment and decreased ability to repay debt as scheduled.
High barriers to entry lead to a less competitive environment and decreased ability to repay debt as scheduled.
High barriers to entry lead to a less competitive environment and increased ability to repay debt as scheduled.
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