I’ll never forget the time I asked one of my young piano students what he wanted for Christmas. It was a generic question, a pleasantry. I wasn’t looking for make, model, and serial number, but that’s what I got. The child whipped out a 60-page list from his book bag. I gulped, checked to see if this child was serious (he was), and quickly proceeded with his music lesson. Somehow I think that most of us have a bit of that kid in us. We want it all. And every bank and credit card company...