There's a lot of talk these days about something called the New Normal. Some of it is justified. Consumer spending, for example, will not be going back to pre-crash levels anytime soon. The heedless mass-consumption society looks to be behind us: Don't count on buying that new PlayStation for your kid this Christmas. Or the next one. It's hard to argue that a profound adjustment in the way we think about spending, saving and credit is happening whether we like it or not. This we must accept.