"I am doing an Asian-Mexican sushi chain that isn't hurt by the credit crunch since they are doing this out of the checkbook, " Cisneros told me.

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For them, the shortage of credit is not the underlying reason why the UK economy can't wake from its torpor (although the the credit crunch sent the economy into its torpor five years ago).

BBC: Can banks be forced to lend more?

Another trap, more likely in these credit crunch days: One of your kids can't get a small business loan or a mortgage, so you lend him or her a wad.

FORBES: Estate Repair