The other thing that I think is really important: A lot of national security policy isn't just about foreign policy, but it's about budgets, military budgets, and how the debts of countries work out.

Now, I'm sure you all keep a copy of the goals under your pillow, or by the bedside table, but just in case you don't, and your memory needs some jogging, the deal agreed then goes like this: developing countries promised to at least halve extreme poverty, hunger and deaths from disease, alongside some other targets, by 2015, and developed nations promised to help them get that done by dropping debts, increasing smart aid, and trade reform.

Or the anonymous company, which bought up Americans' tax debts, piled on the legal fees and then gave homeowners a choice: Pay up or lose your home.

In premodern Italy, failed business owners, who had outstanding debts, were taken totally naked to the public square where they had to bang their butts against a special stone while a crowd jeered at them.

Based on this definition, here's how I'm defining money shame: "the intensely painful feeling or experience of believing that we are flawed, and therefore unworthy of love and belonging, based on our bank account balances, our debts, our homes, our cars and our job titles."

But a hard landing becomes more likely in 2013, as the stimulus fades, non-performing loans rise, the investment bust accelerates, and the problem of rolling over the debts of provincial governments and their special investment vehicles can no longer be papered over.

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