The other day the mail brought an advertisement for something I desperately need (or so the ad suggested). If I ordered it right now, the ad said, I would save a hefty percentage off the usual price. In vain I searched the flyer for the price. None was listed -- not the total, not my monthly payment. I was apparently supposed to place my faith in the kindly marketers and order it anyway.
I guess I should be used to this sort of marketing. After all, that's how our federal government does business. Shall we a. fight a war in Iraq? b. add a war in Afghanistan? c. subsidize medical care for seniors and the poor? d. rescue failed financial institutions? e. subsidize growers of corn and soybeans? or f. fund interstate highways?
We've said yes to all options without ever bothering to consider the price of our purchases. Sometimes that's because we've been given no figures. Sometimes it's because the figures are completely off. (Consider, for example, the Iraq war, which turned out to be over 50 times more  than the Bush administration's original projections.)
As we've ordered more and more stuff, we've been setting aside less and less money. And now that the bill has arrived, we're mad.
We must refuse to pay the bill, say some, which is what is meant by not raising the debt ceiling. (See this fine analysis by Fareed Zakaria ). Right -- try that with your personal finances and see how long you keep a good credit rating.
We must stop ordering all this stuff, say others. Well, yes, unless we have a workable plan to pay for it -- but do we really want to get rid of the military, reduce more than half of our seniors to poverty, and allow our roads and bridges to crumble? Go to the New York Times' "Budget Puzzle"  and see which cuts you'd be willing to make -- and how your cuts would affect the deficit.
We must pay for what we get, say others. That's the philosophy I learned from my parents, who lived through the Great Depression and two world wars. When America decided to fight in World War II, income taxes zoomed. In 1940 the average salary was $1299  (less than it had been a decade before), and the federal tax rate for the average worker was 4 percent. In 1941, the year Pearl Harbor was attacked, the average worker's tax rate rose to 10 percent. In 1942 to 43, the tax rate went to 19 percent, and in 1944 to 45 -- the two final years of the war -- it was a stunning 23 percent. Americans of that generation used the word sacrifice a lot.
By contrast, in 2003, the year we attacked Baghdad, the average worker's tax rate was about 13 percent. In that year, President Bush lowered taxes for the second time.
Well, we had a good ride, buying more and paying less until we crashed into the recession. And now that the bills are due, we just don't know what to do.
Maybe it's time to grow up. If we've already bought it, we should pay for it. If we want it in the future, we'd better save up so we can afford it. If we need it right now and don't have the money, we must sacrifice.
Sacrifice means downsizing. It means going without things we'd really like to have. It may mean going without some things we genuinely need, so that we can get other things that seem even more important.
Instead of being willing to sacrifice, though, we tell our pollsters that we want all our social services to continue, but we want our taxes  to be lowered. So our politicians, who want more than anything else to be elected, do what we ask.
We are about to learn what happens to a paedocracy: a government run by children.
LaVonne Neff is an amateur theologian and cook; lover of language and travel; wife, mother, grandmother, godmother, dogmother; perpetual student, constant reader, and Christian contrarian. She blogs at Lively Dust  and at The Neff Review .