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As recently as three generations ago -- I am speaking of Americans who were born prior to President Franklin Roosevelt's official transformation of America from a constitutionally limited republic into a virtually unlimited socialist welfare state -- working people never dreamed of going into debt in order to buy things.

People tended to be more realistic and self-reliant about things in those days, simply because there was no 'cradle-to-grave' wealth transfer mechanism to pick Peter's pocket in order to take care of Paul.

When the Pilgrims landed at Plymouth Rock they were not disappointed that there was no one from Social Services there to greet them; and three hundred years later by the early 1900's there still wasn't.

In fact, the average American living in 1900 had no contact whatsoever with the federal government throughout the course of his or her entire life, unless drafted into a war somewhere along the way. The only point of presence of the central government in most communities was the Post Office.

There was no federal income tax, no state income tax, no federal or state welfare agencies, no Federal Reserve System, no OSHA, FDA, FCC or any of a plague of other 'three letter agencies' as there are today. Virtually nothing in your life was regulated; you were pretty much on your own to exercise your free will and help everyone else to do the same. Which is why people had large, extended families -- so they could stick together for mutual assistance and support.

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