When I was in college, I had a friend who had never had to worry about money. I was not quite so lucky. One evening, as we were on our way back to the dorms, she proposed that we stay out a little longer. I could not, I told her, as I was out of money. She offered to stop by the bank so that I could get more money from the ATM. I had to explain to her that there was nothing in the ATM for me to withdraw—I was, quite literally, out of money.
What feels like simple ...