IRA-plus (not tax-deductible, but with tax-free withdrawals on retirement), or they can roll their savings over from one account to another, or can take out money early to buy a house or pay for college.

ECONOMIST: A fiscal failure

But because they've had so much - so many problems and so many defaults and so many foreclosures go on, that even people with perfect credit today are having a tough time borrowing the money to buy a house that they can afford.

NPR: Will Interest-Rate Cut Really Help?

It seems that the combination of digital payments, always-online play and the temptations to fraudulent practices created by the heavily-trailed (and much-delayed) Real Money Auction House, in which players can buy and sell items for cash with Blizzard taking a transaction fee, is causing trouble.

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