Editor's Note: James Quinn is a senior director of strategic planning for a major university. James has held high-level financial positions with a retailer homebuilder and a university in his 22-year career. Check out more at www.TheBurningPlatform.com.Politicians bureaucrats and financial pundits are breathlessly awaiting the return of irrational exuberance. They believe American consumers just need a little confidence to resume their rightful place at the top of the economic pyramid. I hate to be a wet blanket - but the American consumer isn’t coming back. The burden of debt continuing home price depreciation lack of savings and the aging ...