Debtors "R" Us

The perfect educational toy for American kids, who are now growing up in a country with a national negative personal saving rate.

The Ultimate ATM machine for kids -- it's just like the real thing. The big screen welcomes you and will give you all of your up-to-date account information. Young depositors have their own ATM card and PIN! Batteries included.

Unfortunately, the money is not. Neither is it included in their parents' savings accounts.