This week, a compelling offer came in the mail from one of the banks whose credit card I pay off each month.  It strikes me that their simple proposition is the root cause of our current national financial crisis.  Our society’s seemingly insatiable appetite for immediate gratification built a house of cards that could never endure.

The cruel irony is that our government is trying to solve the problem by applying precisely the same methods that got us into trouble in the first place.

I suppose we old fashioned sort who have practiced a "save now, buy later" philosophy will weather the storm quite nicely.  But our children and grandchildren will unwittingly be left holding the bag – collectively shouldering the immense obligation to "pay it off later."

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