A WEEK ago, a call came in from a cellular telephone service company to the mobile phone of one of its customers. The operator spoke, reminding the owner to pay his hand phone bill for August 2002, which came to more than Rp500,000. The customer told the operator to take the payment from his bank account. The operator answered back in semi-desperate tone: "Sir, there is only Rp20,000 left in your bank account." That is how the owner of the mob...