Watching TV after the Phillies-Dodgers game, I just saw several car commercials in a row. The first was a Toyota ad promising 0% financing and the next was an Infinity ad offering a 0.9 % APR for the first 18 months. This as global credit markets have collapsed under the weight of easy money, prompting trillions of dollars of government interventions throughout the world. So, go ahead and buy that car you always wanted. Don’t worry if you can afford it — taxpayers will pick up the tab if you fall far enough behind on your payments.