对OG88题干理解有问题啊！恳请大家帮忙看看~

shirryzhan

Businesses are suffering because of a lack of money available for development loans. To help businesses, the government plans to modify the income-tax structure in order to induce individual taxpayers to put a larger portion of their incomes into retirement savings accounts, because as more money is deposited in such accounts, more money becomes available to borrowers.

Which of the following, if true , raises the most serious doubt regarding the effectiveness of the government’s plan to increase the amount of money available for development loans for businesses ?
a) When levels of personal retirement savings increase, consumer borrowing always increases correspondingly.

我对more money available to borrowers原本的理解是， （有了更多的储蓄存款），银行里就有更多可供borrowers借贷的钱
但是OG对more money available的解读针对答案A  应该是  （平均每个）borrowers能够借到的额度

请问各位： 这个money available到底 1. borrowers借之前 银行里可供借贷的所有存款  还是    2. 分摊到每个borrowers头上能借贷的额度啊！