The tragedy of mathematical education

Here
You see the fruits of the problem when you teach students material that uses math to solve problems and express ideas. They freeze up and want recipes rather than seeing beneath the surface to the ideas.
But to be fair, some people only get the ideas by working through the recipes. I never [...]

This seems like another alternative to a credit card option to me

Is This The Beginning of the End of Free Checking? – Real Time Economics – WSJ
You pay $20 per month to the bank for the checking account, but the account does not charge any overdraft fees for overdrafts up to $500.  And you get a debit card.
You therefore pay $20 per month for the ability [...]

‘Crowding out’

is the idea that people offset increased government spending by increasing private savings.  It is happening, at least partially:
Americans are saving more money – Top Stocks Blog – MSN Money