Debt service as a fraction of disposable income among US consumers, to be sure, is well below the 2008 level. The economy isn’t in danger of a collapse of the consumer balance sheet.
The risk is more limited: With very low hourly earnings growth (around zero in real terms) and a near-record-low savings rate, the change in retail sales during the past year tracks the change in credit card balances.
We have seen previously that consumer spending is very sensitive to energy prices. Any shocks to prices (for example, through tariffs on autos or consumer electronics) might cause a reduction in spending.
The graphic "Consumer Debt Service Payments as Percent of Disposable Personal" (income?). The scale is missing. So, we do not know if it is 5% or 10% or whatever.