Credit or debit cards for starters are nothing short of shoppers' Novocain. Even in the age of digital purchases and virtual money we still attach a special value to dirty paper with pictures of presidents on it. Handing some of that to a cashier simply hurts more than handing over a little sliver of plastic.

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So Bush certainly wasn't the greatest and Obama has not done the job. And he's created a lot of disincentive. He's created a lot of great dissatisfaction. Regulations and regulatory is going through the roof. It's almost impossible to get anything done in the country.