Face it: Of healthy, wealthy, and wise, only one is going to get you a good seat at a restaurant. Now that everyone has finally sold out for a life of materialist depravity, it is time to face some hard economic facts. The free marketplace has seen us coming. Prices are pure sadism, and no one knows the safe word. We’ve become a nation of MBAs with hot plates and a standard of living you can’t dress up and take anywhere. But there is something you should know before heading back to the commune you glossed over on your résumé. To keep things honest through the coming bad years, the issuers of money, checks, and credit cards are keeping secrets from us. Take a five-dollar bill out of your wallet and look carefully at the back….