I'm a Canadian male baby boomer of French descent educated in English. Born in extreme poverty, I managed to escape my predicament by forever acting like a proverbial 2-year-old who never stops asking the question "why", but one who refuses to accept flippant answers. I studied the existentialists at the postgraduate level and just kept on going. I eventually discovered how our credit world came to be, what a great world it is, and how difficult it is for us, intelligent animals, to adapt to it. I felt the need to share my findings.