Siva is in All, Blessing and Pervading Each Soul.

Siva is in all: the worshipping couple and priests, the student, the fashionista, the wealthy woman and the two men arguing about God.

Image of Satguru Sivaya Subramuniyaswami
Many people today are addicted to abusing credit. It's like being addicted to the drug opium. People addicted to O.P.M.--other people's money--compulsively spend beyond their means.