> Home workers have not stopped spending money, they have changed what they are buying.
Indeed, came here to say just that!
Home workers also spend their money and create jobs and wealth, just not on downtown sandwich stores. But AFAIK there is more in a country's economy than sandwich stores.
A bank among all people would know that, which proves that the whole thing is just a scam: They just saw the opportunity to use the politicians' greed to grab some more money (new fees profit opportunities).