What it really means is not that everyone is broke, skint, in debt...what is really the problem is that there is a credit crisis i.e. If credit = belief, either the bank's belief you can actually pay your bills or someone's reputation, a belief that someone will deliver the goods, then there is definitely a credit crunch going on.

People cannot be trusted.  Nobody believes in anyone anymore it would appear.

So what's to be done?

Start believing. Take a risk. Dare to believe, to commit to your ideas, half-formed visions and dreams.

If credit is crunching, bite back and believe.

We are money.