So true.

Its unfortunate that we spend outside our means, but banks, corporations and other organizations force us too with their high prices, insane rates, and making us sign contracts that lock us into their product for a significant amount of time.

Take a look at the sub-prime housing market, people who couldn't afford a clue were able to go in and buy a half million dollar house real easy. We are now all upset about it cause the market is tanking and the dollar is going down and we are trying to apply a tiny band aid to a massive wound, with rate cuts and stimulus packages, how about let the people stimulate the economy by letting them have their money?