其他重要的可变因素还有利率：利率越高，债务负担越重。
The other important variable is the interest rate: the higher the interest rate, the heavier the debt burden.
与此同时，公众对资产流动性的看法也从以前的立足于（可变卖的）资产转变到现在的专注于（易借贷的）债务了。
Along the way the public perception of liquidity changed, from one based on assets (what you could sell) to one centered on liabilities (ease of borrowing).
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