Nairobi, Dec. 23 -- It's in the toughest of times that our greatest weaknesses come into play, and so it is for Kenya as 2020 closes with our agenda the same, but more so: resilience in the face of a crippling imbalance.

To whit, we are now spending 68 percent of our tax take on debt servicing. A remarkably high proportion of that debt has been for infrastructure, but having overspent on roads and railways, we then started grabbing at extra loans to cover the debt servicing and routine public sector cash flow.

Because Kenya is a tale of two worlds.

There are the taxpayers, which is less than one in 10 of all adult Kenyans. And there is the informal sector, which means everyone who does business illegally and illegitimately, not paying ta...