法规降低了华尔街的风险，同时也降低了潜在的利润。

Wall Street chafed at regulations that limited risk, but also limited potential profits.

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这些组织倾向于在危机时期，放弃法规遵循、风险及治理的过程，并且不能重复它们过去的成功。

These organizations tend to abandon processes of compliance, risks, and governance in time of crises, and are not able to repeat their past successes.

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但现在，工程师只需将精力集中到构建应用程序，那些法规审核及风险管理就留给贝宝。

But now engineers can focus on building applications, while leaving the regulatory and risk-management issues to PayPal.

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