债务促成了房市泡沫的最终形成。当下，在每六位房屋拥有者中，差不多有一位所背负的抵押贷款金额要大于他们房屋的市值。

Debt helped create the housing bubble and has now left almost one of every six homeowners with a mortgage larger than the value of their home.

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许许多多住房拥有者所背负的抵押贷款金额要大于他们住房目前的市场价值。拒绝履行债务令人遗憾，但在很多情况下，这却是一个理性的选择。

With so many homeowners owing more on their mortgages than their houses are worth, default is an unfortunate but often rational choice.

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