Alicia opened her wallet, credit cards splaying out like an accordion in a kaleidoscope of colors, one from each of the five financial institutions she deals with. The offers came in the mail and she figured why turn down free credit. Tucked underneath another fold lay a pair of debit cards; gateways to her online banking. She pulled up her bank’s website and stared down the list of bill payments. It must have been fifty items long. Alicia put her elbows on her desk and rubbe