人人都只想着做成交易而不顾购房者是否有能力还钱；购房者期望即得利益，房地产商和债权经纪人期望得到钱。

Everybody had an incentive to do a deal, almost regardless of the homebuyers' ability to repay; the buyer hoping for a quick profit, the real-estate agent and mortgage broker hoping for a fee.

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最差的结果将会是，每次或者至少是一段时间内当银行们不太可能表现的那么鲁莽、那么不顾一切时，制定出如“膝跳反射”般的（即条件反射般的）政策计划。

The worst outcome would be knee-jerk rule-making at a time when banks, for a while at least, are unlikely to behave that recklessly, he says.

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其中最后一组被拉赫曼博士视为勇敢，即“弃恐惧体验于不顾的行为方式”。

These last Dr. Rachman deemed courageous, defining courage as “behavioral approach in spite of the experience of fear.”

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