Can someone explain something to me about economics?

I'm an Accountant, so I have a better than average grasp of financial issues. One thing that continues to mystify me is how on one hand we are happy that consumer spending is up and then lament the negative savings rate.

If the savings rate has been negative for awhile now, wouldn't it seem that the only way consumer spending could go up is if savings continued to go negative.

We also wring our hands over the fact that the house-come-ATM market is going belly-up and the deplorable practices of Capital One, while depending on the money that comes from these sources.

We need to strike a balance between being able to make money as a business and protecting the individual (who is often too stupid to know better).

Holy crap

If you do a google search for "Verizon Envy commercial" my blog is the first site that pops up. It's nothing huge, but I still think it's pretty cool.