If China keeps dumping US government debt, Americans could pay more to borrow — bad for anyone with a mortgage, credit card, or car loan.

• Heavy selling of US Treasuries pushes US interest rates up, making loans more expensive.
• The Fed would likely step in and buy bonds itself to calm the market.
• The worst case is a full split, where the US and China stop trusting each other's money and the world ends up with two rival currency systems.
• Nobody actually knows how this plays out — including the officials in charge.
• One steady-hand approach: keep buying broad stock funds and Bitcoin a bit at a time rather than reacting to headlines.

Outlook: Expect more pressure on US borrowing costs and louder talk of a US–China financial split, with no clear resolution soon.