Total wages have not risen since August due to soaring job losses.Household net worth has dived by $12.8 trillion since Q4 2007.So it is no wonder that demand for all types of consumer loans is weak.There will be some pent-up demand for things that people have postponed buying, such as cars and household appliances, said Nigel Gault, U.S. research director at IHS Global Insight.But, he said, Peop