Mental Credit Crunch?

I was in a conversation with a friend the other day, and he referred to someone as being 'intellectually bankrupt'.  Liking the phrase, I noted it down for future reference.

 

I can't seem to find a sensible plot path for the middle of my new book idea.  (Yes, I know that this appears to be a change in subject matter, but bear with me, the relevant bit is just coming up.) I have come to the conclusion that I must currently be Intellectually overdrawn. :o|