You want to save America? 2 things: 1. balanced budgets from our kleptomaniacs in Congress. 2. get rid of Roosovelt's Banking Reform laws that guarenteed to back the banks with Tax Payer funds. That should put a quick break on run away credit card issuing, which will cut down on debt spending.
Holy crap, we'd have a run on the banks (or ATMs, which ever)!