In Italy, 7 million people are in a situation of over-indebtedness and more than 1 in 4 families (25.3%) are at risk of absolute poverty. Although the largest number of cases of those seeking help come from the Center South (Rome, Naples, Reggio Calabria), worrying signals are also coming from Lombardy. The richest region, but also the most populous and with greater income inequalities that make the cost of living unaffordable, especially in large urban areas. According to a report by the Caldara Study Center, there are companies in Lombardy, operating mainly in the logistics sector, where a third of employees are in debt. The region recently passed a law that allocates non-repayable grants (amounting to about 1,300 euros per person) to help people in economic difficulty. Another proposed law calls for, among other things, the creation of a digital platform managed by the Bank of Italy, which will allow citizens to monitor their debt exposure, take a financial sustainability test, and obtain a certified credit rating. Through the test, those who are considering activating a loan will first be able to check their reasonable ability to repay the new debt.