Money, like a hammer or iPhone, is a tool.

As a tool it is neither good nor bad but a device to be used – sometimes for good, too often, though, for bad.

Steadily, our society has been moving from an “Allstate” culture to a welfare-state culture when it comes to money – we exchange the “good hands’ for a hand-out.

When this happens our tool is broken!

We might as well make our phone call with tin cups and a string and drive that nail in with stilettos.