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This is what I hear on a daily basis:
Americans are bobbing in a pool of debt so deep that it’s tickling their earlobes.
If we don’t get a handle on the total U.S. consumer debt, we’re doomed.
Those aren’t tough messages to understand. Too much debt is bad. We have too much debt. We need to start acting like responsible adults by paying it all down. It’s time to embrace the concepts of savings and delayed gratification.
Well, maybe.
A lot of folks will say that the total U.S. consumer debt level, which is around $2.56 trillion, needs to go down. Not everyone sees it that way, though.
There’s another school of thought, and I hear from its professors on a daily basis, too.
They argue that we don’t have a debt crisis and that consumer spending is the only thing driving our economy. If we want to get out of this recession, they’ll argue, we ...
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