... FRANCISCO—There’s an old Irish joke that goes something like this—bear with me.

A man returns home and cheerfully presents his wife with new earrings, a remote-controlled car for his boy and a doll for his daughter. His wife notices he’s wearing different shoes than the ones he left home with that day, a pair that look considerably nicer to boot.

Well aware that they were a simple family of meager means, she inquired where he got the money to pay for all these luxuries.

“Well dear, I was at the bar,” he began—it distressed the missus that so many of his stories started this way, but she held her tongue for now—“and one of the fellas came up...

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