Common Sense Commentary: In every human crisis there are various, related phases which lead up to, accompany and follow in its wake.  I will call them 
Pivot Points.  There were 
pivot points preceding this impending crisis when we, as a nation, could have avoided it.  There will be other 
pivot points within it which will direct its course. Then, there will be 
pivot points during our recovery ... if there is to be a recovery.
At this point, everyone in America who has any intelligence at all has heard enough facts, concerning the 
State of our Union, to be convinced of imminent, national, financial disaster and its extended repercussions.  That being the case, it is now high time for the 
informed to prepare themselves financially, mentally, physically and most importantly, 
spiritually, to endure whatever the future holds and to be good "
ambassadors" (2Cor.5:20) for Christ in the difficult times ahead.  That would include sharing His words of hope, introducing the lost to Him, praying for and with them, good stewardship, and rock solid faithfulness.  True Christians must be the curing 
salt and illuminating 
light in this darkening world of spiritual conflict.
We in America are indeed fortunate that we live in the one nation on earth where there are probably more truly born again Christians than in the rest of the world combined, but with some of the most wicked as well.  If the former is true, it is also true that we who have received Christ are also more  accountable to God for reaching the unsaved around us. 
We must not overlook the fact that our very creation in Eden followed the greatest conflict of the ages ever enjoined.  It was the beginning of rebellion against our Creator God by Archangel Lucifer and his angels... evil against good,  Lucifer against Jehovah God.  We must also remember that our Lord and Savior, Jesus Christ founded and has built His church during the most difficult times of human history ... not the times of ease.  It is 
"tribulation that works patience (
endurance/
perseverance)" Rom.5:3.  Growing in God's grace, faith, strength and character always takes place during 
"the times that try men's souls." It is our 
souls  that will be 
tried ... more than any other human attribute.
 The quote above is the first sentence and declaration of the historical forefather, Christian patriot ... and co-founder of our nation, Thomas Paine.  The following is his famous, God honoring speech entitled "The Crisis" 235 years ago this week, Dec.23, 1776.
                                             The CRISIS
                                              By Thomas Paine
December 23, 1776               
THESE are the times that try men's  souls. The summer soldier and the sunshine patriot will, in this crisis, shrink  from the service of their country; but he that stands by it now, deserves the  love and thanks of man and woman. Tyranny, like hell, is not easily  conquered; yet we have this consolation with us, that the harder the conflict,  the more glorious the triumph. What we obtain too cheap, we esteem too lightly:  it is dearness only that gives every thing its value. Heaven knows how to put a  proper price upon its goods; and it would be strange indeed if so celestial an  article as FREEDOM should not be highly rated. Britain, with an army to enforce  her tyranny, has declared that she has a right (not only to TAX) but "to BIND us  in ALL CASES WHATSOEVER" and if being bound in that manner, is not slavery, then  is there not such a thing as slavery upon earth. Even the expression is impious;  for so unlimited a power can belong only to God. (How appropriate for  today's crisis.RB)
Whether the independence of the continent was declared too soon, or delayed  too long, I will not now enter into as an argument; my own simple opinion is,  that had it been eight months earlier, it would have been much better.
 We did  not make a proper use of last winter, neither could we, while we were in a  dependent state. However, the fault, if it were one, was all our own; we have none to  blame but ourselves. But no great deal is lost yet. All that Howe has been doing  for this month past, is rather a ravage than a conquest, which the spirit of the  Jerseys, a year ago, would have quickly repulsed, and which time and a little  resolution will soon recover. 
I have as little superstition in me as any man living, but 
my secret opinion  has ever been, and still is, that God Almighty will not give up a people to  military destruction, or leave them unsupportedly to perish, who have so  earnestly and so repeatedly sought to avoid the calamities of war, by every  decent method which wisdom could invent. Neither have I so much of the infidel  in me, as to suppose that He has relinquished the government of the world, and  given us up to the care of devils; and as I do not, I cannot see on what grounds  the king of Britain can look up to heaven for help against us: a common  murderer, a highwayman, or a house-breaker, has as good a pretence as he. 
'Tis surprising to see how rapidly a panic will sometimes run through a  country. All nations and ages have been subject to them. Britain has trembled  like an ague at the report of a French fleet of flat-bottomed boats; and 
 But their peculiar advantage is, that they are the  touchstones of sincerity and hypocrisy, and bring things and men to light, which  might otherwise have lain forever undiscovered. In fact, they have the same  effect on secret traitors, which an imaginary apparition would have upon a  private murderer. They sift out the hidden thoughts of man, and hold them up in  public to the world. Many a disguised Tory has lately shown his head, that shall  penitentially solemnize with curses the day on which Howe arrived upon the  Delaware. 
As I was with the troops at Fort Lee, and marched with them to the edge of  Pennsylvania, I am well acquainted with many circumstances, which those who live  at a distance know but little or nothing of. Our situation there was exceedingly  cramped, the place being a narrow neck of land between the North River and the  Hackensack. 
Our force was inconsiderable, being not one-fourth so great as Howe  could bring against us. We had no army at hand to have relieved the garrison,  had we shut ourselves up and stood on our defence. Our ammunition, light  artillery, and the best part of our stores, had been removed, on the  apprehension that Howe would endeavor to penetrate the Jerseys, in which case  Fort Lee could be of no use to us; for it must occur to every thinking man,  whether in the army or not, that these kind of field forts are only for  temporary purposes, and last in use no longer than the enemy directs his force  against the particular object which such forts are raised to defend.
 Such was  our situation and condition at Fort Lee on the morning of the 20th of November,  when an officer arrived with information that the enemy with 200 boats had  landed about seven miles above; Major General [Nathaniel] Green, who commanded  the garrison, immediately ordered them under arms, and sent express to General  Washington at the town of Hackensack, distant by the way of the ferry = six  miles. Our first object was to secure the bridge over the Hackensack, which laid  up the river between the enemy and us, about six miles from us, and three from  them. General Washington arrived in about three-quarters of an hour, and marched  at the head of the troops towards the bridge, which place I expected we should  have a brush for; however, they did not choose to dispute it with us, and the  greatest part of our troops went over the bridge, the rest over the ferry,  except some which passed at a mill on a small creek, between the bridge and the  ferry, and made their way through some marshy grounds up to the town of  Hackensack, and there passed the river. We brought off as much baggage as the  wagons could contain, the rest was lost. The simple object was to bring off the  garrison, and march them on till they could be strengthened by the Jersey or  Pennsylvania militia, so as to be 
enabled to make a stand. We staid four days at  Newark, collected our out-posts with some of the Jersey militia, and marched out  twice to meet the enemy, on being informed that they were advancing, though our  numbers were greatly inferior to theirs. Howe, in my little opinion, committed a  great error in generalship in not throwing a body of forces off from Staten  Island through Amboy, by which means he might have seized all our stores at  Brunswick, and intercepted our march into Pennsylvania; 
but if we believe the  power of hell to be limited, we must likewise believe that their agents are  under some providential control. ("The gates of hell shall not prevail" Mt.16:18 RB)
I shall not now attempt to give all the particulars of our retreat to the  Delaware; suffice it for the present to say, that 
both officers and men, though  greatly harassed and fatigued, frequently without rest, covering, or provision,  the inevitable consequences of a long retreat, bore it with a manly and martial  spirit. All their wishes centred in one, which was, that the country would turn  out and help them to drive the enemy back. Voltaire has remarked that King  William never appeared to full advantage but in difficulties and in action; the  same remark may be made on General Washington, for the character fits him. There  is a natural firmness in some minds which cannot be unlocked by trifles, but  which, when unlocked, discovers a cabinet of fortitude; and I reckon it among  those kind of public blessings, which we do not immediately see, that God hath  blessed him with uninterrupted health, and given him a mind that can even  flourish upon care. 
I shall conclude this paper with some miscellaneous remarks on the state of  our affairs; and shall begin with asking the following question,
 Why is it that  the enemy have left the New England provinces, and made these middle ones the  seat of war? The answer is easy: New England is not infested with Tories, and we  are. I have been tender in raising the cry against these men, and used  numberless arguments to show them their danger, but it will not do to sacrifice  a world either to their folly or their baseness. The period is now arrived, in  which either they or we must change our sentiments, or one or both must fall.  And what is a Tory? Good God! What is he? I should not be afraid to go with a  hundred Whigs against a thousand Tories, were they to attempt to get into arms.  
Every Tory is a coward; for servile, slavish, self-interested fear is the  foundation of Toryism; and a man under such influence, though he may be cruel,  never can be brave. 
But, before the line of irrecoverable separation be drawn between us, let us  reason the matter together: Your conduct is an invitation to the enemy, yet not  one in a thousand of you has heart enough to join him. Howe is as much deceived  by you as the American cause is injured by you. He expects you will all take up  arms, and flock to his standard, with muskets on your shoulders. Your opinions  are of no use to him, unless you support him personally, for 'tis soldiers, and  not Tories, that he wants. 
I once felt all that kind of anger, which a man ought to feel, against the  mean principles that are held by the Tories: a noted one, who kept a tavern at  Amboy, was standing at his door, with as pretty a child in his hand, about eight  or nine years old, as I ever saw, and after speaking his mind as freely as he  thought was prudent, finished with this unfatherly expression, "Well! 
give me  peace in my day." 
Not a man lives on the continent but fully believes that a  separation must some time or other finally take place, and a generous parent  should have said, "If there must be trouble, let it be in my day, that my child  may have peace;" and this single reflection, well applied, is sufficient to  awaken every man to duty. 
Not a place upon earth might be so happy as America.  Her situation is remote from all the wrangling world, and she has nothing to do  but to trade with them. A man can distinguish himself between temper and  principle, and I am as confident, as I am that 
God governs the world, that  America will never be happy till she gets clear of foreign dominion. Wars,  without ceasing, will break out till that period arrives, and the continent must  in the end be conqueror; for though the flame of liberty may sometimes cease to  shine, the coal can never expire. 
America did not, nor does not want force; but she wanted a proper application  of that force. Wisdom is not the purchase of a day, and it is no wonder that we  should err at the first setting off. From an excess of tenderness, 
we were  unwilling to raise an army, and trusted our cause to the temporary defence of a  well-meaning militia. A summer's 
experience has now taught us better; yet with  those troops, while they were collected, we were able to set bounds to the  progress of the enemy, and, 
thank God! they are again assembling. I always  considered militia as the best troops in the world for a sudden exertion, but  they will not do for a long campaign. Howe, it is probable, will make an attempt  on this city [Philadelphia]; should he fail on this side the Delaware, he is  ruined. If he succeeds, our cause is not ruined. He stakes all on his side  against a part on ours; admitting he succeeds, the consequence will be, that  armies from both ends of the continent will march to assist their suffering  friends in the middle states; for he cannot go everywhere, it is impossible. I  consider Howe as the greatest enemy the Tories have; he is bringing a war into  their country, which, had it not been for him and partly for themselves, they  had been clear of. Should he now be expelled, 
I wish with all the devotion of a  Christian, that the names of Whig and Tory may never more be mentioned; but  should the Tories give him encouragement to come, or assistance if he come, I as  sincerely wish that our next year's arms may expel them from the continent, and  the Congress appropriate their possessions to the relief of those who have  suffered in well-doing. A single successful battle next year will settle the  whole. America could carry on a two years' war by the confiscation of the  property of disaffected persons, and be made happy by their expulsion. 
Say not  that this is revenge, call it rather the soft resentment of a suffering people,  who, having no object in view but the good of all, have staked their own all  upon a seemingly doubtful event. Yet it is folly to argue against determined  hardness; eloquence may strike the ear, and the language of sorrow draw forth  the tear of compassion, but nothing can reach the heart that is steeled with  prejudice. 
Quitting this class of men, I turn with the warm ardor of a friend to those  who have nobly stood, and are yet determined to stand the matter out: I call not  upon a few, but upon all: not on this state or that state, but on every state:  up and help us; lay your shoulders to the wheel; better have too much force than  too little, when so great an object is at stake. Let it be told to the future  world, that in the depth of winter, when nothing but hope and virtue could  survive, that the city and the country, alarmed at one common danger, came forth  to meet and to repulse it. Say not that thousands are gone, turn out your tens  of thousands; throw not the burden of the day upon Providence, but
 "show your  faith by your works," that God may bless you. It matters not where you live, or  what rank of life you hold, the evil or the blessing will reach you all. The far  and the near, the home counties and the back, the rich and the poor, will suffer  or rejoice alike. The heart that feels not now is dead; the blood of his  children will curse his cowardice, who shrinks back at a time when a little  might have saved the whole, and made them happy. I love the man that can smile  in trouble, that can gather strength from distress, and grow brave by  reflection. 'Tis the business of little minds to shrink; but he whose heart is  firm, and whose conscience approves his conduct, will pursue his principles unto  death.
 My own line of reasoning is to myself as straight and clear as a ray of  light. Not all the treasures of the world, so far as I believe, could have  induced me to support an offensive war, for I think it murder; but if a thief  breaks into my house, burns and destroys my property, and kills or threatens to  kill me, or those that are in it, and to "bind me in all cases whatsoever" to  his absolute will, am I to suffer it? What signifies it to me, whether he who  does it is a king or a common man; my countryman or not my countryman; whether  it be done by an individual villain, or an army of them? If we reason to the  root of things we shall find no difference; neither can any just cause be  assigned why we should punish in the one case and pardon in the other. Let them  call me rebel and welcome, I feel no concern from it; but I should suffer the  misery of devils, were I to make a whore of my soul by swearing allegiance to  one whose character is that of a sottish, stupid, stubborn, worthless, brutish  man. I conceive likewise a horrid idea in receiving mercy from a being, who at  the last day shall be shrieking to the rocks and mountains to cover him, and  fleeing with terror from the orphan, the widow, and the slain of America. 
There are cases which cannot be overdone by language, and this is one. There  are persons, too, who see not the full extent of the evil which threatens them;  they solace themselves with hopes that the enemy, if he succeed, will be  merciful.
 It is the madness of folly, to expect mercy from those who have  refused to do justice; and even mercy, where conquest is the object, is only a  trick of war; the cunning of the fox is as murderous as the violence of the  wolf, and we ought to guard equally against both. Howe's first object is, partly  by threats and partly by promises, to terrify or seduce the people to 
deliver up  their arms and receive mercy. The ministry recommended the same plan to Gage,  and this is what the Tories call making their peace, 
"a peace which passeth all  understanding" indeed! A peace which would be the immediate forerunner of a  worse ruin than any we have yet thought of. Ye men of Pennsylvania, do reason  upon these things! 
Were the back counties to give up their arms, they would fall  an easy prey to the Indians, who are all armed: this perhaps is what some Tories  would not be sorry for. Were the home counties to deliver up their arms, they  would be exposed to the resentment of the back counties who would then have it  in their power to chastise their defection at pleasure. And were any one state  to give up its arms, that state must be garrisoned by all Howe's army of Britons  and Hessians to preserve it from the anger of the rest. Mutual fear is the  principal link in the chain of mutual love, and woe be to that state that breaks  the compact. Howe is mercifully inviting you to barbarous destruction, and 
men  must be either rogues or fools that will not see it. I dwell not upon the vapors  of imagination;
 I bring reason to your ears, and, in language as plain as A, B,  C, hold up truth to your eyes. 
I thank God, that I fear not. I see no real cause for fear. I know our  situation well, and can see the way out of it. While our army was collected,  Howe dared not risk a battle; and it is no credit to him that he decamped from  the White Plains, and waited a mean opportunity to ravage the defenceless  Jerseys; but it is great credit to us, that, with a handful of men, we sustained  an orderly retreat for near an hundred miles, brought off our ammunition, all  our field pieces, the greatest part of our stores, and had four rivers to pass.  None can say that our retreat was precipitate, for we were near three weeks in  performing it, that the country might have time to come in. Twice we marched  back to meet the enemy, and remained out till dark. The sign of fear was not  seen in our camp, and had not some of the cowardly and disaffected inhabitants  spread false alarms through the country, the Jerseys had never been ravaged.  Once more we are again collected and collecting; our new army at both ends of  the continent is recruiting fast, and we shall be able to open the next campaign  with sixty thousand men, well armed and clothed. 
This is our situation, and who  will may know it. By perseverance and fortitude we have the prospect of a  glorious issue; by cowardice and submission, the sad choice of a variety of  evils — a ravaged country — a depopulated city — habitations without safety, and  slavery without hope — our homes turned into barracks and bawdy-houses for  Hessians, and a future race to provide for, whose fathers we shall doubt of.  Look on this picture and weep over it! and if there yet remains one thoughtless  wretch who believes it not, let him suffer it unlamented. 
December 23, 1776
Thus was the cause of our 
CHRISTIAN founding fathers