Spending beyond one's means is becoming a national problem for Americans.Borrowing has become so easy that it takes great willpower for people to refuse it."I received a number of gold MasterCard and gold Visa card offers in the mail during the past two months,"said one computer engineer at AT &T Bell Laboratories in Chicago."I got three of them in one day last week."  Lenders are providing easy credit for borrowers.Many banks now offer every borrower a great variety of credit,a service once offered almost only to big companies.Norwest Bank Minneapolis offers lending programs for cars and boats that can cut monthly payments nearly m half .Carmakers,too,are lengthening easier terms.Ford Motor Credit states that 45 % of its recent lendings has been for sixty months,rather than the sixty-six-month period that was usual before.  The total consumer debt in the United States rose 73 percent between 1974 and 1984,as the debt for each man,woman,and child increased from $10,264 to $26,566.Huge debt now is present in our economy at all levels.As a nation,we are more than $7 trillion in debt,and the total keeps increasing astonishingly.  As we have over borrowed,so have we overspent.In late 986,the share of after-tax income that Americans saved sank below 2 percent for a short time,less than half the figure at which we saved only 10 years ago.Americans now are buying from foreigners between about $50 and $100 billion more Mercedes and Toyotas, Paris fashions,and tours to Europe than the Boeing 747s, agriculture machinery , or Kansas wheat that the foreigners bought from America. The country could not produce and pay for all the things it wanted.  To make a long story short, we Americans have serious problems in keeping down spending and keeping up personal savings.It is high time for us American people to learn the basics of long-term money management. Which of the following points does the author wish to make?
America should sell more of its products abroad. A healthy society has to learn to 1ive within its means. People's income determines their money management. Government should prevent people from over borrowing.