This is what they tell me at the bank today while tryinig to cash a paycheck: "In the past people used to lock their money away in CDs and get paid for it, that was the old way of doing things. Now what you get paid for is spending money (via a credit card) and getting cash back, that's the new way". Ah I see it's a whole new world, where spending is saving. Ben Bernake, what have you wrought?