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Having rediscovered thrift, we were supposed to start darning our socks, taking our worn shoes to the cobbler, planting the vegetable patch. We were going to pay off that credit card, cook more at home. Having exposed as unsustainable our debt-fuelled habits, the global financial crisis was going to change life as we knew it.

• What lessons have we learnt from the economic crisis? Read Rev Dr Keith Garner's comments in The Sydney Morning Herald .