Consider having finally bought the sports car of your dreams, getting your bills paid, and being able to afford the interest on your credit cards, even paying them down. You drive down the interstate smoothly, and see signs of construction ahead. That would mean a slow-down, but nothing insurmountable.

But then you are told to hand the keys over to another guy, a good old boy with whom you’ve never agreed. But now he has the roadster, and is seeing what it can do. But shortly, through no fault of his own, a rock is kicked up, and cracks the windshield.

“Duck this,” he yells, and steers that roadster off the pavement and heads out at right angles from the obvious way forward to bounce through the desert. Rocks, gulleys, and sand are not really where a roadster belongs. So this fellow runs up the credit cards to the limit seeing to the incessant need for repairs. And he increases the limit regularly, as he cannot pay the bills. Seeing that this keeps the car running, he wants to see how far he can make it jump.

Finally, the car is damaged almost beyond repair. He spends and raises the limit several times, in a last ditch effort to get the car almost running. But then he is told to hand the keys over to another guy: A tall, dark, erudite type with training specifically in aspects of handling a roadster.

The new guy tries to steer the car back toward smooth roads, but the car barely runs when he gets it. He spends up to the limit just to keep it running. Then he begs to extend the credit limit enough to make it fully road worthy. But the friends of his predecessor are determined to prevent any extra spending.

“Too much!” they cry. They don’t feel that the car really needs work. Perhaps it should heal itself.

Now, that makes sense!