During this Christmas season of cheer and good tidings, a universal message is going forth. They are all united from Barack Obama to Martha Stewart to Wall Street Banks, the Federal Reserve and even your local mall agrees — please borrow to spend more this Christmas.Americans since 2008 have been tightening their belts, and they have paid down over $150 billion in consumer debt. This is a remarkable feat and a testimony to the diligence, hard work and frugality of the American citizen.