we were watching the Muppets vresion of The Elves and the shoemaker with DD and, at one point, Kermit and Robin have sold all the shoes and have a bundle of money, and then the banker grabs it- he had come by the day before to tell them they had to pay or else... And DD -who still doesn't understand all the dialogues- said: look, Mommy, now they don't have ANY money, because it was stolen from them!...and I said: no. The banker didn't steal it, he COLLECTED it, because Kermit and Robin owed the bank a lot of money, so, that's a lesson for you when you grow up: If you owe a lot of money, other people will own your money, but, if you stay out of debt, your money will be yours...Mommy owes a lot of money, which is why we can't buy a lot of things, because I have to give it to the bank to repay my debts...

You should have seen the look on her face!