The banking crisis of 2008 is likely to be remembered as one of the most influential catalysts affecting how we look at money into the future. It will impact our lives in years to come as much as the environmental issues which we have had to embrace.  For too many years, the western world economy has been fuelled by excessive lending and overspending. As with climate change, the financial climate needs to be free from the denial that people have been hiding behind for so many years. The first step to solving a problem is the realization that there is a problem….