I’ll never forget the time I asked one of my young piano students what he wanted for Christmas. It was a generic question, a pleasantry. I wasn’t looking for make, model and serial number, but that’s what I got. He whipped out a 60-page list from his book bag. I gulped, checked to see if this child was serious (he was) and quickly proceeded with his music lesson.

Somehow I think that most of us have a bit of that kid in us. We want it all. And every bank and credit card company out there is affirming the notion and willing to make it happen.