ROSS DOUTHAT: THE CRATCHIT TAX CREDIT: “In 21st-century America, the well-off and well-educated have the best odds of enjoying the domestic stability that the Yuletide stories celebrate, while the very people who most need resilient families — the Cratchits and Baileys, the working poor and the hard-pressed middle class — are less and less likely to have them. . . . There is no government program that can guarantee a happy childhood or a devoted spouse. (If you replaced Clarence from “It’s a Wonderful Life” or the Angel Gabriel of the Gospels with a Health and Human Services bureaucrat, those stories would probably have a much grimmer ending.)” Just remember, people respond to incentives, even perverse ones.