I don't think a correction is necessary. Both parts of the sentence are already in the present tense. Plus, the use of "us" in the beginning of the sentence indicates a personal attachment.
Answer:
Sipho Sepamla is a South African poet born in 1932. He wrote this poem during Apartheid and had some of his work banned by the Apartheid regime.
Answer: It causes debts
It causes excessive spending
Explanation:
