Falling crude may be bad for the energy companies that have to pull the stuff out of the ground, but it's shaping up to create a cascading windfall for consumers. When you consider the average U.S. price for regular gas was $3.71 in April, but had slumped all the way to $2.55 in recent days - down by more than one-third -- you just know all that extra cash is bound to burn a hole in America's pocket if it doesn't get spent.