Gift-Giving: What’s the Point?

Your gifts should bring a momentary sense of joy, but it's the memories of your expression of care that will live on. Drazen Zigic/Shutterstock

The simple act of gift-giving has become extremely complicated. I blame that on the consumer credit industry.

Think about it: You can be completely broke but still spend thousands of dollars on Christmas gifts—and believe it is not only your right to do so but that you are obligated to do it.