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I am by no means as informed as the rest commenting on this article. For that I apologize and will do my best to get up to date on the issues presented above. My thoughts come from a lay persons viewpoint and an analogy of purchasing a family car.

My family needs to replace the family car. It is 12 years old and things are starting to show wear and tear. My repair bills are getting a bit more frequent. The car still drives but clearly it will need to be replaced. A look at our upcoming expenses showed that we would not have enough of a financial cushion if we purchased it this year. There wouldn't be enough in savings account to provide funds in the event of an emergency. Sure, I could get a great deal by turning in my car to the same dealership I bought it and have repairs done because they have offered me another incentive on top of the ones already offered....BUT...it would be better to put it off until we are near the end of the year before committing. By then we would know just how much we have left in our rainy day fund.

You see, your $350,000 is my $35,000. Could we swing it? Probably, but why take the chance? Could the car die? Possibly but we keep up on the repairs so it is unlikely. Is safety an issue? Not really but it could be.

It makes financial sense to me as an individual as well as a citizen that we can take our time to make sound financial decisions for purchases that are made with tax payer money. Politics aside, don't you think most people would agree?