This article originally appeared at the Center for Faith and Culture. We hear the standard diagnosis, and it goes something like this: Americans spend too much, they save too little, and they love their stuff more than they love God. The remedy, so we’re told, is better financial training—sermons on contentment, stewardship campaigns, maybe a Dave Ramsey Financial Peace course on Wednesday nights. If we’ll just give people the right information, and the right motivation, then better habits will surely …