I talked with Paul Breen today. He is a Professor of Finance at Dominican University in Columbus, Ohio. He said our current financial systems in America, for the most part, all revolve around credit. Professor Breen said when we started going “down the slope (in regard to our current financial crisis)” is when young couples, several decades ago, started buying houses they couldn’t afford on credit, which has now cascaded into a tremendous amount of foreclosures… Some “average Joe” common sense: People could actually afford many of these homes if they used some simple, creative smarts. They could rent out a room in their homes. They could, in addition, convert a garage to, say, an efficiency apartment. They could even house-share with another family, halving the expenses altogether… It just that, well, we’ve become so gluttonous and selfish about “our space.” And this is not so much an endemic financial malady — as it is a spiritual one. Note: Professor Breen said credit (read: debt) is imbedded in America. But was this God’s plan? Many of us, in essence, have become compulsive debtors (credit cards, car purchases, home purchases…). In California, I researched the group Debtor’s Anonymous. People here admit to their addiction to debting and the formula is simply not to debt anymore, one day at a time. And somehow, with God’s grace, they are able to live in this society without debting.