GMAT Critical Reasoning (CR) | The media claim that the economy is entering a phase of

About answer C..."filing for" and "obtaining" bankrupcy are 2 different things. So there is an assumption that if bankrupcy is easier to obtain, more people are likely to file for it regardless of their financial situation.( "I heard it is easier to obtain so I will file for bankrupcy even if I ve not yet come to the point where there are no other options...")
This assumption is not provided in the argument so It seems like a gap that prevents from answering C even
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