People look at Macy's annual Christmas windows in New York November 23, 2008. The department store started the holiday tradition in 1862. From Britain to China, governments and retailers are dreaming up innovative ways to persuade people to part with cash that bankers won't lend. On the bright side, for the shopper who has cash to spare, Christmas looks like being a reasonable deal. The worry is consumers will simply pay off debts. And - sensing prices could fall yet further - some are holding back in the hope of scooping bigger bargains later. [Agencies]