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[Clansgian AT wmconnect.com]

> >  But, I keep coming back to the idea, that if we live in an economy that 
> it based on debt; why would we should to participate in that economy 
> without 
> using debt. 

Bob, something like one seventh of our entire economy is the "health" care 
industry.  Does that mean to participate in our economy we need to be sick.  
Or 
at least need to be sick one seventh of the time?  Normal in this economy is 
mortgage payment, car payment, credit card debt, and no savings.  You want to 
participate in that for the sake that it's what the economy is based on?

I do woodworking for part of my living and I didn't borrow money for tools.  
Your idea that people have to perforce borrow money to operate in the world 
is 
a false one. It's just a bad habit people have gotten into.

James