One day a mother was having a deep discussion with her 12- old daughter about values. She said, "Honey, What you need in order to survive in this world is faith in God and a good sense of humor." The daughter thought about that and then, with a twinkle her eye, said, "It also helps to have a credit card." How thoroughly American is that 12-year-old. We are a credit culture. Partly because of the credit cards, many of us have le irresponsible and undisciplined in our finances. If the average 65-year-old American were to cash in everything he owns, he would be worth about $100. Evidently he is depending on someone perhaps the government, to support him. Over 80 percent of Americans owe more than they own. The average American entering Laurelwood or Oak Court Shopping Centers today has seven…