一个更加基本的问题是存款保险在多大程度上扭曲了银行的激励。

A more fundamental problem is how deposit insurance distorts Banks' incentives.

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然而，税收激励机制可能对有更多钱存款的富人最有利，而低收入人群会发现税收条例过于复杂。

But tax incentives are likely to be of most benefit to the rich, who have more money to save; and those on lower earnings may find the tax rules too complicated.

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只要存款者确信他们可以拿回自己的钱, 不管情况如何他们都缺乏激励去监督银行的业务情况.

Once depositors are sure of getting their money back, whatever the circumstances, they have little incentive to monitor a bank's business.

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