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America has grown addicted to debt. So severe is our dependency that even in the face of successive economic crises, our predictable response is to simply take on new forms of debt-financial, social, and environmental-and delay the day of reckoning. The Left and Right point fingers at one another, but neither has offered a viable way out.

We simply can't pay down our debts by radically cutting back, drilling ever more oil and gas, or shifting costs to the environment or the future-the costs of overreaction are too high. But so too are the costs of inaction. It is time to stop living on...