借款人用来保护自己不受上升利率的影响。
Used by borrowers to protect themselves against rising rates.
护理费用的难以预测，也使得保险公司采取抬高保险费用来保护自己，而这些费用总是昂贵的难以承受。
Care costs are so hard to predict that insurers tend to protect themselves with big premiums, making insurance unaffordable.
它往往代表了一种防御机制，我们下意识地用它用来保护自己在听到拒绝时不受伤害。或者把它用作一种消除不适感的方法，免得感觉自己要求太多。
'It can often be a defense mechanism subconsciously used to shield ourselves from the rejection of hearing "no" or a way to avoid the discomfort of feeling like we're asking for too much.
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