You don't like that I call a person who uses hot topic of the day to pull out of a presidental debate, a coward? Explain to me how it is not cowardly, and if you are convincing, I will retract my statement. 
What is the number one most important issues to voters today? The Economy and it's crisis. Currently, the Congress is meeting to discuss and propose legislation to loan approximately 800 billion dollars. McCain disagreed on key points of the legislation that was proposed. He insisted that their be accountability and transparency. It is a lot different sitting in a room with the other Senators and hearing everyone's opinion, and then hearing the opinion of the "real" players in the plan. McCain is a part of it. Many democrat senators insisted they would not vote yes unless McCain did. So, McCain went to Washington and they are working on a deal. It appears that a deal has been reached. Initially McCain expected it take until Monday. Postponing the debate while a real solution is figured out was the right thing to do.
If instead he had simply refused to debate, than that would be a different story. A postponement to deal with an economic crisis that amounts to billions of tax payer dollars is a completely reasonable and smart thing to do.
