鉴于人民币的价值和流动性尚不明朗，在尘埃落定前使用“拖字诀”是谨慎的做法。

At a time when the yuan's value and liquidity were uncertain, a postponement until the dust settled was prudent.

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一夜之间，流动性和信用就变成稀缺资源，取而代之的是严重且破坏价值的不确定性。

Liquidity and credit suddenly become scarce and a devastating, value-destroying uncertainty takes hold.

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首先，他们房屋的价值会下跌而更加难以出售，从而削弱他们的安全感和资金流动性。

First, their houses would be worth less and be harder to sell, thus cutting into their sense of security and liquidity.

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