My sister and I were chatting the other day about issues large and small, and the conversation inevitably drifted to the economy and the sense that we are in this hiatus awaiting some kind of return to financial normalcy. Whereupon my sister said “This is normalcy!” In other words, this is the way things used to be when people didn’t spend money they didn’t have at hand (mortgages having been the exception).. But the advent of the credit card somehow convinced us that the money needn’t be actually available…just anticipating that it would somehow materialize in some hypothetical scenario became sufficient. So here we are, nervously awaiting the credit card defaults in the wake of the foreclosure crisis.
And while it is admirable that Obama is looking to close all the loopholes that snare the consumer by addressing the questionable practices rampant in the financial world, most of us can find our own major culprit by looking in the mirror. If we as individuals spend money we don’t have, we tend to financially belly-up. Let us fervently hope that we as a nation don’t succumb to the same fate..
June Warwick
Boulder
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