Times certainly have changed. Not having that physical representative of money makes it so much harder to not over spend, too. Then when it's a credit card then I guess its even easier to justify adding just a little bit more to the debt. We're moving into a world of virtual when many are physical learners who can struggle to convert the idea into reality.

We have dangerous roads with fast moving cars and no longer live in communities where we know everyone, so we fear harm coming to our children from unknown people. A certain amount of helicopter parenting is needed in a world like that.

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