According to several studies of American spending habits, many people in the United States are drowning in debt. They apparently don’t need any encouragement from the government to spend money they don’t have.

One would think that perhaps government officials would assist people in saving money rather than spending it. But that is obviously not the case.

It is, of course, crucial to our economy that people spend money. But, unfortunately, saving some of their money is something that many people have not learned to do.

One stark example of the government wanting people to spend their money happ...