[dremucha]

Investordude, this is merely anectdotal, but I think it may amuse you.

Recently I received a call from one of my banks/creditors offering my entire credit line for 5.99% life of borrowing. I didn't want nor need the money but I couldn't help mentioning to our man in Moombai (I apologize if I'm misspelling) that I had had another better offer from another bank. I immediately was offered 2.99% life of loan (less than the SAME bank was paying interest on my savings account). I took the money, put it in my savings bank, and felt bemused.

People in the US are being constantly innundated with opportunity to overspend. My credit line shows up in total American debt, but it isn't that at all. I'm making money on my debt. Go figure.