Much of the American economy is dedicated to the proposition that middle class life should be as convenient as possible. We spend the majority of our moola on getting better quality of the same goods. And so the supply responds with the new and improved. That's been about 67% of our GDP. With any luck, that number will decrease marginally and our savings increase. Marginally though, we still are going to have to figure out a way to issue credit or else the rest of the emerging world will ignore American finance. It's a halfway done deal anyway, but there's still 2012.