Today, two out of every five Pennsylvanians live in a municipality in fiscal distress. As this number continues to grow, it is slowly and steadily undermining the commonwealth’s reputation as a stable place to raise a family or build a business. A common response to this trend has been to say, “its the bigger governments – places like Pittsburgh, Philadelphia, Harrisburg, and Reading – that are in real financial trouble.” This point has also been used to fight against local government consolidation (even sharing of services or resources) noting that if bigger government is better why then are city governments in financial distress? Older cities are pitted against newer suburbs, with the leadership of urban communities painted as poster children for poor fiscal discipline. This politically favorable, if self-forgiving, narrative has replaced reality in our public discourse on this issue.