By the standards of other developed countries, Americans tend to live "high-consumption" lifestyles. Boats, jet skis, Harleys, SUVs - we've got them. $25,000 wedding bills? That's par for the course. And we don't let the issue of "cash-on-hand" become a deterrent to our pleasure seeking. Just put it on the ol' credit card. Oh really, you offer a lease program for that? A second, forty year mortgage, you say? Don't mind if I do.