When hearing the news that former masters-of-the-universe bankers are getting billions in federal aid – bailouts from their failures – who among us has not wished to receive our own personal bailout?

After all, almost none of us have been as irresponsible, reckless, even profligate as the banks and bankers whose wastrel ways have brought down the economy. What about the rest of us who try to make a living, pay our bills, make ends meet? Times are tough for all of us now.

While it is unlikely that any of us will be invited to testify before Congress to explain why the government should write a huge check to help out on our personal finances or the finances of our small businesses (personally, if Congress did invite me, I’d skip the private jet the first time, and fly commercial or take a train or drive) , the IRS – of all government agencies – is promising relief for taxpayers and particularly taxpayers who have fallen behind in paying taxes.

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