Americans have a serious consumption problem, which in turn fuels the credit crunch. Their obsession with collecting unnecessary trinkets leads to maxed-out credit cards, hopeless loans and bankruptcy. Advertising mystifies people and makes them think they "need" that iPod. This is a Nation of debtors; there can be no wealth generation when most of the population is saddled with insurmountable financial burdens. I am no exception: My education has rendered me a virtual indentured servant to my student loan creditors. After more than two years of paying the monthly payment, I actually owe MORE now than the amount I originally took out. The bank wins again!!!
If only I were a Dutch person in AOE 3... I would spend 350 wood and 350 food on a bank, and just enrich myself
