Lynda; if I am completely honest with myself, I , like you, think in the long run we 'could probably' be much better off with a complete collapse of the current finacial system. But, I'm almost your age, and I have family and friends that I do not choose to see suffer. I am not in a position to help them more than a bit.
And, the reason I modified with 'could probably' is because the same stinking b*stards (or their sons and daughters) could very well be running the 'new' order of things. There is nothing wrong with using credit; I have had access to more credit than I could use most of my life. A eprson just needs to be smart with its use. The problem is when credit is extended to those with no means or no-how to use , profit, and repay; and then the d*mn goverment comes in, and changes the rules for everyone.
You live in an important state that is beyond insolvent. California was once like Eden must have been dreamt. You want your fellow Californians to pay with cash? How? What cash? The answers just are not simple..........
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